> 2. Earning interest The earning interest is like picking up pennies in front of a bulldozer. You'll be OK 99% of the time but then you'll get flattened. You'

> 2. Earning interest The earning interest is like picking up pennies in front of a bulldozer. You'll be OK 99% of the time but then you'll get flattened. You'll earn maybe 10% interest per annum, but be at risk of losing 100% of your deposit at any moment. Your deposit is completely uninsured. If you have no solid guarantee that you'll get your money out, use the precautionary principle to conclude that you won't. Also, for 10% of something to be more than pocket change, you need to deposit much more than pocket change. If you're depositing pocket change into these services, you're not really investing. If you're depositing more than pocket change, you're running a big risk. I recommend you get your money out now.