No investment or financial instrument is ever completely safe. Every investment carries its own risks and the higher this risk rate the higher the return will be. For example, if we don't consider the recent banking crises, the probability of banks going bankrupt is generally quite low and therefore it isn't easy to obtain high returns from deposit interest but especially a newly established cryptocurrency exchange is very likely to go bankrupt and for this reason in order to obtain more funds it isn't easy to obtain high returns. It provides income through higher deposit interest.

On the other hand, if we look especially at countries with high inflation we can see that government banks gives lower deposit interest compared to private banks because they are less likely to go bankrupt. Even though both businesses are banks, there will be a difference in the risk-reward ratio due to the risk factor created by both banks. That is, in this case, although it is the same investment type the deposit return will not carry exactly the same risk.

In summary, there has never been and will never be a financial instrument or investment that can provide a sure and guaranteed profit. The amount of return obtained from investments varies entirely depending on the risk rate it can potentially provide.