Not your keys, not your coins. But let’s lend them and stake them and farm them and bot them?

So I’m all about making money and interest off my crypto. Love that Cardano and Algo have easy to stake wallets and that all the major exchanges allow staking as well… but it does kind of make me wonder.

The most repeated phrase I see on this sub is “Not your keys, not your coins.” Seems to be almost the anthem here. But in truth… it seems there’s a lot of the opposite going on. Cross platform lending, trading bots, yield farms, block fi, Celsius… In truth I’m still very green with all of this, so I don’t mean to comment from ignorance, but It does seem like crypto is littered with dozens of ways to make passive income, and yet, it’s also overwhelming for someone who wants to keep their crypto secure.

Is there any comprehensive way to measure the risk/ reward of the different ways to grow your money without exposing yourself to scam grabs and risking massive loss? What are your best suggestions for someone who wants to put their crypto to work without stuffing it somewhere questionable?