Ever notice how traditional banks operate with two completely different playbooks? When they're lending to you, suddenly it's 28% interest rates stretched across 84 months on a $3,000 loan—the math gets brutal real fast. But flip the scenario: when YOU deposit your money with them, the interest rates they offer are basically a joke, sometimes hovering in the single digits or lower. It's the asymmetry that gets people thinking about alternatives. This kind of lopsided deal is exactly why decentralized finance and crypto savings options have gained traction—they promise fairer terms and more transparent rate structures.