We have crypto stable-coins, why not use those if people think the regular ones are too risky? DAI is one I can think of.
I get those letters too, 'we are delighted to tell you that you will be earning less interest than previously'. - yeah great!
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Well I'm using HBDs myself - as 'sort of' stable - I'm keeping 400 or so as a super emergency fund!
Yes those letters - reminds you of how many accounts one has - I must have set up a dozen over the last decade to take advantage of introductory rates and left a few quid in each of them!
I'm on the cricket now on BBC2, feels good, old skwel.
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