I totally agree with you here. I've put around 1.7Btc on lending platforms a few years ago when btc was worth around 800$.
All in all I think I was lucky I left with around 1.8Btc so I even earned a bit. But 5% gain in 1.5 year isn't so great in crypto.
And I has so much false offer and false lending... just dont go there, the risk is too high and the reward is too low.