No, I have said this multiple times. When you want to exit from HBD savings, the real APR you end up with is around 12-13%, not 15%.

Something advertising X% APR doesn't necessarily mean that is the APR you get in reality. You know this, but you are still trying to argue against it.

Let's run a simple thought experiment here. You have a stable asset, it has a whopping 50% APR, but if you sell this asset you have to pay 80% tax on your gains. What is the real APR here? Is it the 50% that is getting advertised or less? I know that you are not this naive. Even if we do an APY, it would take several years for you to actually reach 50% APR.

That is why 15% is okayish, many things decrease the actual return you are getting.