1) check out bitwarden + aegis - both seem popular as another tools
2) Reinstall your linux desktop instead of upgrading once in a while ( remove worms). Make sure you have all updates regularly.
3) When you are developing be careful with libraries - for example pin your versioning in python in the event you get a bad repo
4) use adware blocker to block malware in firefox
5) with keepassxc use the extra file - for security - call it random.mp3 and do not keep it in the cloud even encrypted
6) keep your otp passwords separate
7) use u2f for your main email account - yuibkey or other cheap alternative.
8) explore ssh using yuikey
9) use personal firewall on laptop
10) Use drive encryption for your laptop - backups need to be all encrypted as well
11) Bonus - have separate email account only for password resets that is very hardened and you don't log in regularly. Maybe with 2 different 2 factor auth on it.
12) Bonus 2 - have separate phone number for 2 factor sms authentication that people can't know about - (voip or tosser phone)
1) require an initial investment and promise above-average returns
2) money cannot be withdrawn for a certain period of time in exchange for higher returns.
High investment returns with little or no risk.? Overly consistent returns?
Your argument is that if I buy an ETF for gold and they charge 2% to keep the gold safe and manage it. This etf is a ponzi scheme as they need have holders to keep the thing going.
As the transaction fees go to miners you could then argue VISA and mastercard are ponzi schemes?
Real Estate provides a much easier method to move millions.