Without any effort, very naturally, proved that he/she understands nothing.

For example, here in Brazil, the yield of a savings account in a physical bank is 0.40% per month. So to summarize, if I deposit an example of 100 reais, which is the currency of Brazil, I put this amount isolated in a savings account.
It will generate 0.01 cents after 2 months.

If in a few years Bob checks at 0.01

I will have around 50 thousand reais.

Because I currently have a little over 5 million of Bob. And I paid in Brazilian currency R$ 1.29

In other words, even if it takes 4 years for Bob to reach 0.01.

This yield will be infinitely greater than a savings application here in Brazil.