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It's not useless, it's just another way to earn gralats. Haven't the staff team been looking around for ways to earn gralats? And no, you don't get a lot of gralats from Interest Rates. 1 turning to 10 would take awhile. And even if they are getting 'free' gralats, what's the harm in that?
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We are looking for new ways to earn gralats that actually require you to participate in the game. All this bug catching and other stuff that we are adding in would be useless if a player could just put 100 gralats into the bank, quit and come back in a year to receive 100,000 in interest.