Many savings accounts are pegged to US stock market indexes and assorted "safe" investments.

They work well during economic growth cycles, when market averages consistently rise to fund interest payments.

But become less viable when economic growth ceases.

If there are crypto ventures generating good profits with a need for further capital investment, they could issue dividend payments to investors in the form of interest payments.

But lack of success with hedge funds and mutual funds show complications brought on by investors investing and withdrawing funds at the worst possible times.

In which case, most in need of capital investment would probably pursue a more stable source of deposits than normal customers who might deposit one week and withdraw the next in ways that completely screw up the payment model.