Spot on. That slow bleed is exactly what people often ignore. I’ve actually been using the Telegram Wallet recently because the yields are pretty insane up to 18% APY on USDT and around 3-5% on PAXG through their Earn programs. It's a great way to outpace inflation, but I have to admit, that lingering fear of getting hacked or losing access still stays in the back of my mind. It’s always a tricky trade off between chasing those high gains and the peace of mind of cold storage:)