> You don't make money by paying people twice as much interest as everyone else. The national average is only 0.46%, according to https://www.marketwatch.com/g

> You don't make money by paying people twice as much interest as everyone else. The national average is only 0.46%, according to https://www.marketwatch.com/guides/savings/average-savings-account-interest-rate/ https://www.marketwatch.com/guides/savings/average-savings-a... I checked many other sources, all reporting in the 0.45-0.6% range. Meanwhile, there are plenty of banks that offer 5% or more. So merely being twice the average is actually still pretty low.