Recently, I saw someone show off high APYs from yield aggregators again, and I instinctively clicked to see where they were actually throwing their money. Honestly, you think you're earning interest, but you're actually working for a series of contracts and a bunch of counterparties: underlying pools, routing, re-staking, and maybe even passing through a cross-chain bridge... Every additional layer makes me more nervous with a "what if." When the cross-chain bridge was hacked a couple of days ago, I was even less inclined to let my funds bounce around on bridges.

And then there are those abnormal quotes from oracles, with everyone rushing to "wait for confirmation." Honestly, I’d rather miss out than chase after rebalancing. Now I only keep two or three layers that I can understand, and I keep the addresses separate—less yield but I can sleep peacefully.