1. We are in a period of low inflation (though tuition and medical costs are an exception). Getting minimal interest in a low inflation period is better than getting much interest in a high inflation period (e.g. money market accounts paid 9% but inflation was 15%). Eretz Yisrael often had inflation so high that it wiped out the currency’s value (that’s why 10000 of current shekels are equal to one lira, which in 1948 was worth several American dollars). Be happy to be in a period of price stability (cf. Pirke Avos on how is rich)l.
2. The more you want to risk, the more higher the return. Right now Venezuelan and Puerto Rican bonds give a very high rate of return, along with high risk they will default and you will lost your money.