RE PoS, it is a completely different game and a 10% for me would be clearly not enough compared with the risk. Either the network is clearly growing or those interest will come from coin printing. If the supply is limited, then the cost of keeping the network safe will be too high and will kill it. Super-risk that should be paid at least a 50% in my view.
I don't know....what about ETH going PoS? That's a coin without a cap and yet it's currently #2 to bitcoin's #1 status. And yeah, there are other PoS coins that are super risky but others that have decent potential and sorta-stable prices (like Polkadot and Tezos for example). Anyway, all of those coins have
some value, and you can earn what amounts to interest on them, so you do receive real income by holding them.
The general trend for interest rates paid by banks has been on a downwards trend for a long time now. In my country back in 2015 it was possible to find banks offering saving accounts with a 5% rate on them, now it is difficult to find even 1% being offered.
Yeah, and I remember a time when PayPal was actually paying interest on funds held with them, and it was something like 4%. That was way back in 2006 or so, and my how times have changed.