To CRO or not to CRO

So i had a shower thought a couple of days ago BTC was floating around £30k and i wanted to know your options.

Would you rather own 1 BTC at £30k Stake it at around 6.5% (what you can get on the crypto and other apps) hope it goes to 100k this year and mabey eventually after years x10 and get to £300k making £19,500 a year at 6.5%

Or get that card from the crypto app that requires 30k of CRO staked at 12% almost double and get the rewards off free Netflix, Spotify, prime and 5% cash back hope this goes 10x eventually and get to 300k making 36k a year at 12% instead

Now i don’t have the money to do ether yet and i understand the the uses behind the two are different but if your using BTC as a store for money i can see CRO getting to a £1 before BTC to £100k ?

Edited 1% to 5% my bad