I have a simple answer to those kind of people. I just tell them the difference between HBD's interest and the interest from a bank savings account is explained by all the fees and bonuses bankers take. It might be simplistic, but it makes them stop and think about the greed of the legacy finance institutions !
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Nice that's actually pretty clever.
The chance that they even know anything about the banking sector is low.
Although I like to to prove we aren't a scam by showing that anyone can create an account here and earn for free without having to invest. That's quite definitive undeniable proof.