You're 70 years old, and your son tells you about a new digital bank offering 11% annual dividends monthly, with zero volatility. Sounds great! You trust your son and invest your life savings. In just a few weeks, you find yourself down -8% of your total investment. You don't understand why; it was supposed to be volatility-free. Then you hear that if more selling pressure comes in and there are no buyers, the price could continue to fall and enter a death spiral. 80% of STRC investors are retail, pray for them, I hope they manage to go back to 100.