I never buy bonds, so why would you ask if I’ve completely given up on them? Let me just say it all at once... I don’t make fixed-term deposits either—I’m wary of returns that are too high, and too low just aren’t worth it. I’ve always kept some emergency funds sitting in my checking account. I don’t have any investment insurance. I also own a property that’s been vacant for years and I don’t rent it out. I haven’t touched my on-chain assets in years—maybe just occasionally play around with small amounts.