Safest way to earn passive income on your crypto? (I am scared of staking or providing liquidity. Please change my mind)

Hi I understand crypto and I know the risks involved in doing anything with your coins

Safest way possible is to just keep holding on exchange or wallet … I have my coins exchange

What is the safest way to earn passive income … maybe I am misinformed about the risks … please suggest the least risky way to earn passive income… Thank you!