Everybody is not looking for 100X i think and if a project can make 100X rally that can do 100X downfall as well. So if you have 1 million USDT what are you going to do? Put all of it in a small-cap low-tier project that isn't well established yet when buying bitcoin and ETH and stake it somewhere with a 6% APY is enough for you? You will earn rewards without selling, and for 1M USD 6% is already a pretty high profit for a lot of people. So the best approach is to have them all in a small amount.