StakeIt vs Lending Coins & HYIPs. What's the difference?

Many of you may be confused of the differences between StakeIt (STAKE) vs Lending coins & HYIPs.

Below is an infographic indicating the core differences between the two.

Still not sure? Be sure to read this article: https://steemit.com/stakeit/@stakeit/guide-to-stakeit-why-it-is-not-an-hyip