Not at all. But when people who would really know about such things say they are "not a toy" and tell you not to mess with them, I tend to pay attention. Especially when one of the people who I would have thought would advocate for their use says the same.
You should - everybody should if they're getting .01%. I just got my first month's interest - it's just over 83 times more than I would have gotten at my former brick & mortar "big name" bank.
Like Kapusta, it smells sooooo good cooking, but to me the taste is meh. Since I can't have onions anymore, the sausages and Kapusta are out. A whole lot of things are out.