1) There isn't anything misleading going on, so who is doing the defrauding? 2) You'd lose that value if you just kept it in a box. 3) You really shouldn't be

1) There isn't anything misleading going on, so who is doing the defrauding? 2) You'd lose that value if you just kept it in a box. 3) You really shouldn't be keeping substantial amounts of money in bank for 10 years.