There’s a concept traders rarely talk about. Risk fatigue. It sets in after years of constant uncertainty. After watching markets whip back and forth. After being told to stay calm while everything feels unstable. At some point, the appeal of predictable outcomes grows stronger than the promise of outsized returns. High-yield savings accounts offer exactly that. No story. No hype. Just a rate, access, and consistency. Banks that lean into digital simplicity, like those operating under cit banking platforms, have benefited from this mindset shift.