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In my opinion, staking is a good option, but in this case you have to understand what type of investor you are. If you are a short-term investor, staking is not for you; however, if you intend to invest in any coin or token for a long period of time, such as 2-3 years, why not use the staking feature if it is available? Just think you are holding a coin for 3 years. That's your plan. If you hold this coin for 3 years, then you will get the profit after 3 years when you sell it. The profit will be the price you paid for it. But if you stake and the return you will get from the coin is 20-30% atleast a year, then just imagine you will get your investment back after a 3 year stake period. That means now your investment amount is 90% extra. That means whatever profit you will get before you stake, now you will get an extra 90%. This means your investment becomes 90% extra without investing. That's it.
As long as you know the process and you have a good set target time period, staking is a good way to increase your investment, just look for potential project that have stake feature then hold it for some time, it's all on your good understanding that will allow you pick the right coin to stake your money. Like what you mentioned, short-term investors might not enjoy this feature unless you are staking with hype/pump new project who offer stake rewards, though the risk is always high with such kind of project better to find establish project or something that you take your time to DYOR before you go and start investing your money.
I believe why the interest we get is small is because we stake on stable coins that really maintain their price and quality. it is impossible with a little staking capital to earn more like farming on a DeFi platform. you better increase your capital, because it's fair. you get stable coins with small interest it is like no risk.
No risk unless the platforms collapse or runaway with investors' money. Your opinion is logical, stable coin provides small interest, but if the platform/services are established, the possibility of passive profits is a sure one for your investment.