4-10 percent per year is a very small reward. I think that only very large ethereum holders will earn POS. Because if I have 32 ETH at all it is better for me to find other ways to earn money
In POS consensus and one thing that you should remember about bigger amount and bigger reward will have received by the stakers. Imagine if you have a million dollar worth of ethereum and you can earn a lot of money with just sitting in your chair.
I should remind you if you must remember if there was an awareness if 32 ethereum is a minimum amount. More ethereum and more reward and 10% is a huge annual return for stakers.
It's not a big surprise to see that the big players will always become the winner consider about this consensus used the token as a security that makes the participants in the blockchain to secure the network to receive the reward like miner. This is much better rather than wasting so many energy like POW consensus.
I hope you see the words of "at least 32 ethereum has needed to be a validator".