You're concept of "risk-free" is laughable. The value of the federal reserve dollar will one day be calculated against its initial value at issue in decimals. Its value isn't even close to maintaining pace with inflation.
And by artificially manipulating interest rates, the banksters are stealing billions and billions from the savings of millions of hard working Americans.
Money in an FDIC insured bank account is risk free. And you'll earn very little on those risk free deposits.
And by artificially manipulating interest rates, the banksters are stealing billions and billions from the savings of millions of hard working Americans.
No one is forcing you to earn these low rates for deposits. If rates are too low, borrow instead of lending.
Markets are two sided, don't act helpless.