I currently use a Decentralized Finance solution similar to BlockFi. It’s like a bank, but my savings account earns as much as 10% interest. The best part is that you earn more interest on stable coins (coins pegged to $1.00), so it’s essentially the same as keeping money in your online bank account. As long as you choose a reliable platform (like BlockFi) you should be good. Plus, you can borrow money at great rates with no credit checks. Decentralized finance is the future — it gives you the benefits of a savings account, as you listed above, without the drawbacks of opportunity cost.