I do agree that putting your btc in someone else's hand for a long time is rather foolish, and it's counter intuitive for what btc is suppose to be. This now becomes very similar to our current banking system. But when you make the rate comparison to banks, it's doesn't seem so bad. In the US, you get something around 0.03% interest when left in a savings account, which you're guaranteed to lose money because inflation percentage is higher than the interest banks give. 7% sure as hell beats 0.03% + inflation.