Some time ago Was kinda wondering how does people earn from farming! How lucrative, safe and benefiting farming could be Buh at same time I saw many DeFi platform being exploited and many even rug pulled and always many newbies complaining of not knowing how to find thier way through farming, due to it's complexity ! This was a red flag which made me stayed away not until I found $Near and it's farming & staking platforms.
You are probably giving too much credit to Near. Maybe give it more time before a a scammer builds an AMM and Yield Farming platform there.
Newbies are alsl complaining since they are still newbies. They do not know much and no newbie can navigate that easily even if it's on Near.
There are many established platforms on more popular chains. You just need to stay updated to their new pools for the highest APRs. Ref is giving out these high percentages as part of their marketing. They all go down sooner or later.