This is rubbish. Interest exists because people need capital to start enterprises, so they borrow money, and have to pay back interest on it, a portion of which goes to the lender (you). So it does make sense, even in a decentralized currency.
It bloody well doesn't. These would require trusting someone else with your coins/private keys. Bitcoin brings sovereignty because you have full control over your funds, something which digital fiat money (in a bank) can't give you. You are supposed to own Bitcoin in the same way that you own cash - personally, with no third party trust.