These days, when looking at the yield aggregator pages, the APY looks quite attractive, but my obsessive-compulsive tendencies made me dig into which contracts the money is actually being put into, and whether there are permissions to freely change the routing... To put it simply, returns are not dropped from the sky; they are layered contracts plus a bunch of counterparties stacked together. People think that clicking "auto-compound" means earning passively. In reality, you're silently exposing yourself to multiple protocols' collective risk, and if any link malfunctions, everyone could be affected together. Just as the main public chain is about to upgrade/maintain, everyone in the group is speculating whether the project will migrate. I'm more concerned: if the routing temporarily switches chains or crosses bridges, can the contract whitelist and risk control keep up? Anyway, right now I look at APY first by asking "where is the money actually going," then decide whether to get involved.