When consumer hear that interest rates are high they want to take advantage of those high interest rates, unfortunately the standard banks high interest would be something along the lines of 1.8% APY. To put that in perspective, if you placed $30,000 in a special savings account that has a rate of 1.8 % APY, you would earn $540 in interest in one year. While that is something, it is nowhere near the interest that you as a borrower would be paying if the case had an unexpected reversal. What are your thoughts on this?

Please don't hand write.

Thank you.