If a person does not want to take a risky option and the banks offer 4% to 5% where they live then they need to take that option, as there are many countries where the amount you can get out of banks is 1% or even less, but anyone that is looking for 10% or more in profits per year and wish to obtain those profits in a safe manner are simply wasting their time, as the only way that exist to get such high profits is by trading a market like this one or by investing in a good asset and hold it.
even though banks might seem quite interesting enough with the so called "safe" investment that gives annual return of 4-5% but one should know that if the inflation outweigh the interest, then you're simply losing your money or in other word losing the value of your money, many rich people out there always calling deposit isn't really that good because of the inflation and only profitable with huge chunk of capital reaching more than millions, if its just some measly a few thousand dollars most likely it won't impact anything.
but at least its safer than investing in other investment that fluctuates, at least you will get spared of losing your money instantly. even though you're still losing some money but only fraction of it.