Binance one-click earn or a bank’s 5%APR?

Let’s talk about Binance one-click earn,

What is your experience with it? Thoughts? I don’t see it discussed in the form and I’m looking to understand if it will be better to invest with binance or put funds in a bank. It’s free money but want to know which way would be better.

Binance Auto invest claims returns of 4% and above, banks return is 5%ish. However, Binance investment will be in crypto so as crypto value increase so will the underlying value. With banks funds do not go higher in value because they are currency a dollar will always be a dollar (not considering inflation and purchasing power)

My view is that it would be better to invest in Binance because if we do some quick mafs we find the following:

Consider we are investing a 1000$ with binance, say it was in bitcoin at a price of 36k/coin, 1k/36k= 0.028 bits, accumulating at a rate of 0.3% a year equaling 0.029 or 1044$ after a year

A bank return after a year will equal: 1050$ (1000*0.05) clearly better than bitcoin.

However say bitcoin value goes up to previous all time high. That 0.001 bitcoin increase will result in a much higher return, a 0.029 bitcoin after a year with the new bitcoin price will equal: 1856$ (0.029/64000) and 806$ more than a bank’s return.

With this narrative we could argue that stacking with Binance will be better than with the bank if we will disregard safety and have an optimistic outlook or did I miss something?