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"But there are also lots of different factors that go in to it. Like, inflation. Lost opportunity costs. Maybe she lives to be 110? Etc..."

I mentioned inflation. Agreed. Also told my mother to cash it out as I believe there are better options.

There is hardly any balance in real-world expenditures. To be honest, I refrain from holding my money in the existing ecosystem. De-Fi works as a saver for me. Inflation in my homeland has become unbearable. I transfer my "store of value" to the PolyCUB stablecoin pool, some on Nexo and a little for trades. The majority is on Polygon De-Fi projects like AAve & PolyCUB.

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For sure man, true story. I opted not to do it. I'm leaning towards high APR stable coins like HBD. They are certainly risks involved with that as well, but I feel better about it than the other existing ecosystems like you mentioned.

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It depends a lot on circumstances.

Getting involved in liquidity pools like on polycub are a great option if you can get the liquid funds. It's an easy way to increase your returns and buy back into hive with the profits.

It always depends on your current position to chase your opportunities.

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