A recent economic research report reveals the "Lazy Effect" in the deposit market. The study finds that although banks fiercely compete to attract deposits, many depositors exhibit an astonishing "indifference"—they ignore differences in interest rates and returns, resulting in large amounts of funds sitting idle in low-yield accounts. This "sleeping state" of depositors directly weakens the intensity of competition among banks, causing the market pricing mechanism to fail. As a result, funds that should flow into high-yield channels are trapped in inefficient allocations, severely reducing the resource allocation efficiency of the entire market. This phenomenon provides profound insights into understanding the operation of traditional financial markets and how Web3 can change depositor behavior through transparent mechanisms and proactive incentives.