65% is actually high for a yearly interest but I've seen quite good projects that have almost the same rates. But the risk with that is you don't know if the same value will be made after a year or even half or a quarter of your stake.
What's better on staking is if you choose the flexible terms, you can get it anytime. The same with the banks, before it's hard to find those terms that are flexible but right now, I've been seeing offers that have flexible terms.
The "good" rate depends on the risk you are taking though. I mean yes 65% is great if we were talking about USD here, but when we are talking about cake, it could drop in price so much that maybe it will be 2 dollars next year by the time you get your 65% and you will be not so much in profit? Who knows what's going to happen, and that is why I believe that the higher rate of staking returns in crypto is because people do not have the same trust to it as they do with fiat.
I trust crypto even more, and that is why I am fine with staking and it is 100x better than bank interest, but at the end of the day I know my limits and won't put all of my money in it.