I might have to do that myself.
There is the concept of holding and securing assets, and one of participating in decentralized and distributed finance. The second one cannot be achieved with perfect security and in a trustless fashion. As you implied, individuals have to determine their own risk/reward.
They've just reduced the amazing 16-20% on CRO stakes and term deposits to 6% in line with other cryptos. But only for new deposits so I've still got plenty of CRO earning 16-20% for a couple more months.