DEFI returns vs Yield farm

Why would someone stake their CRO on their DEFI wallet at ~13% apr when they could do CRO/USDT pairing for 120% apy? I’m also bullish on eth and CRO so wouldn’t that pairing yield, which is higher than eth 6.5% and cro 13%, be a no brainer? What am I missing about this? These numbers all all pulled from Beefy Fi.