Good luck! Not being startupy or American I don't understand. But sounds like a schlep problem (see pg essays).

If you ever want to pivot an idea I am suprised no one does is why don't long term bets e.g. 2028 president pay interest. When you bet on something almost certain in 5 years you always lose due to lost interest. Maybe bets can include interest or even be chucked in SP500 for duration.

Tons of schlep blindness here for sure. That's the only plausible explanation for why existing treasury products have made it this far

I'd say your long-term bets are earning interest... it's just going to the house and not to you