I was more motivated to chase this problem to the ends of the earth when my rage was fresh but also when I bonds were getting 7+ percent and everything else was still getting 0.1 percent.
Now, 7-day money market yields are 4.8% and savings accounts are 4%, so you have to decide how much a delta of a couple percent is worth in terms of your energy.
Eg current I bonds at 6.8% vs MMF at 4.8% = delta of 2% x $5000 = an annual difference of $100, with less liquidity and more hassle.
Time value of money.
