I'm dating myself with this reply, but I guess that is OK. I like your comment indicating that 1% interest sounds like the rate of interest you would get on a CD. It's weird how things have worked out in the last 40 years.

Back in the 1970's I had a child's savings account of around $25 that paid 5.25%. Of course that was compounded quarterly and not daily. But still, pretty good interest on just $25. Today I'm lucky to get 1% or 2% return on a $5000 CD. Heck, for that small rate of return I might as well invest in other CD's like Darius Rucker and Hootie And The Blowfish. Beatles CD's are good too. But it is really weird to me we live in a world where we get more interest on spending money than we do on saving money. The banks really changed the rules. But cryptocurrency is now changing those rules back to the benefit of the common person who knows how to take advantage of the new paradigm.

Cheers! :-)