@petunia @Spzi Some are not about money: mastodon.lol is purely a personal decision; switter.at is not gonna lobby against governments that want to censor queer voices (which is what "online safety regulations" are really about). For Pawoo, Pixiv certainly had the money to keep it running, so this might be profitability concerns (given that at that time Pixiv also phased out other less-popular services to focus on its main platforms); CrossGate/Russell could be financial and liability concerns.

@MacroCyclo But that's an ETF and it does take a few days to get the money out, whereas a HISA in a bank can be conveniently accessed and thus can be used as emergency funds; certain online ones (Alterna, motusbank, EQBank, etc.) very much offer the same level of functionality (bill payments, e-Transfer, direct deposit, etc.) as brick-and-mortar ones.

@MacroCyclo In terms of your main savings account, you can consider those on https://highinterestsavings.ca/chart (Tangerine could work as a backup; they also give occasional offers); if you don't require branch services (such as writing a bank draft / guaranteed cheque), then those online banks are enough. KOHO is not really a bank account; it's better to just treat it as a prepaid card with cashback. WS is okay for casual investing. For credit cards, just go with the rewards (assuming you pay on time).