Oh the 20% APR is largely due to the crazy inflation going on. Why would you invest in something backed by Dollars when the inflation rate is insanely high.

If your HBD was 5% APR for example but inflation was 7% then after a year you'd be effectively unable to purchase the amount of goods with HBD that you could before you put them into savings.

I ONLY have savings in HBD because of the high APR making it worth it.