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What kind of accounts are these where you get high interest without having to freeze your money? In our country, you get 2x interest on fixed deposit saving account but you need to lock your funds.I've got a high yield savings account. That's about as risk free as it gets, without freezing the money.
It might be less risky if you are very good in it. But I have seen people lose big in it. I always consider it very risky.I believed that crypto trading is less risky it's one of the investment which I have done and see good results but you will need to pass through alot of advice to win the market sentiment