Say there is an interest-bearing account that pays even say some exorbitant number, 10%, 20%, whatever. If my bank account gets compromised, the account can be frozen and (depending on details) transactions can be reversed. In the crypto world, security looks like Coldcard. This is what "getting rekt" means in the crypto world, and it is a very real risk. If even professionals struggle to secure their assets in the crypto world, amateurs have virtually no chance.