, it's your choice to stake with the percentage of APY they'll issue to you but you don't hold the keys.
Not your keys / not your money 
. That doesn't seem to be the situation I would expect with all the purported changes from governments in the not-too-distant future. Find a hiding place first to keep the sovereignty and secure the assets, almost they will have to wait for some dex to become complete lending/farming/staking… lkBank interest rates are a bad thing when it comes to inflation and even so, the Fed continues to look for ways to increase the value of currencies that have been softened by the impact of the pandemic. After all, I prefer APY of crypto, say no to banks. Lol
It's okay whether you prefer to put it on mostly to APY with staking than the banks and it's your preference. We all agree that it's more profitable if it's with the staking.