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And on the contrary, almost everyone who writes here is educated and smart people.
Not really
But I also think that 45% is also very suspicious and a large figure, although it may be acceptable for some crypto coins. But many people are accustomed to counting the annual interest on deposits in dollars or national currencies, and of course such large numbers seem to them to be a hoax or a Ponzi scheme.

It seems that you are not reading what I wrote properly. It 45% APY ( approximately per year ) capped at only 14 days saving which means after 14 days, you wont be able to get that deal anymore.
Its a one time deal for 14 days with only 1.72% for the whole 14 days, 1.72% is not that big even if you go for the max cap of 100k token