Everyone has their own strategy to make profits, 10% looks nothing at all from the crypto returns standards and that's too but someone who switched to cryptos from traditional investment like stocks and real estate the 10% is quite decent but the term guaranteed gives them a feel of assurance.
In reality we are risking 100% to get lesser than 10% meanwhile chances of hack, exit scam and any other unexpected event can cost our capital.
Yes, the majority of investors in the financial market lose money, so I believe that if given the choice, they would not refuse the opportunity to hold USDT to receive low but safe profits. The risk of account freezing will also come to investors in BTC and ALTS on CEXs, there is absolutely no difference. If investors don't want to take risks with CEXs, stablecoin holders can provide liquidity on DEXs. Tether and Circle can also freeze holders' accounts, but I'm not worried about that, I'm not a criminal ^^
We can think of investment scenarios that generate higher profits and are safe such as: buy and hold BTC + ETH, but in reality, most investors tend to choose other ALTS, even memecoins, so the majority of losers are still in the financial market. I have stablecoins in Simple Earn, I'm also DCA BTC + ALTS, I feel quite lucky to have stablecoins available in my account to buy many tokens at low prices when the market corrects. I rarely think that I should use all of my stablecoins to all-in when BTC is below $20K, I can't change the past, I can only focus on the present and the future.