Its partly that the rates have been very unappetizing recently, but its also partly just that it's boring and safe, and people don't like to discuss boring and safe very much.

If you made two posts, one saying you invested in CDs and didn't make or lose much, and another saying you put it all in crypto and lost it...the second thread gets a lot more replies and discussion.

Bottom line, there is nothing wrong with locking in a 5% interest rate and sitting back. It's a rare person who can do this and be happy during a big bull run where they make 5% and everyone else makes 20%. I think the lower returns and higher safety are more for people who have completed /r/FIRE and just want a safe return without risking their nest egg, forever.