Notice who makes the money? Banks and their trading floor operations. You and I are just gamblers in the casino. With 2.5% interest on my cash, finally I can get back a couple of nickels to offset the $400 loss due to inflation. Whew.
Vanguard short term treasury fund is yielding 3.8%. Minimum $3000 to invest. Plus, it is exempt from state taxes.
https://investor.vanguard.com/investment-products/mutual-funds/profile/vsbsx