The problem for people like me is that 99% of our wealth is floating around in crypto, and I hate banks. I mean, a lot.

Same here... Not one dollar held on my bank account. Crypto and cash.

With stablecoins it's not difficult to average a 5% APR, even 10% in some cases (cough ** HBD ** cough).

Other options than HBD? I honestly can't trust it as a stablecoin. I've heard crypto.com offer decent apr for staking USDT.

I lived with less than 400€/month only a few years back

I did that in 2020 when the plandemic started. I still regret not buying more crypto then.

Bitcoin and its next halving will mark the path to follow.

What if this next halving anticipation has already triggered institutional FOMO and a super cycle?...