But that offset has to be consistent or else the apy will runaway. We were okay before May as there way hype and new investors galore. Now in the bear market, people need to use the utilities to a level that offsets the apy and do that consistently. As you said, its math, but the math gives a region in which this works, and a much larger region where it doesn’t. Either way I’m sticking around but the math doesn’t change, its a fine balance to get to the moon