At present, financial institutions and banks do not "write" capital preservation, but "write" fixed income, which is expected income. This is necessary. Anything that doesn't do this is against the rules. You can find the relevant regulations everywhere.
Secondly, but in private, what specific measures can make up for this and cover those risks? The specific yield at maturity depends on the investment direction of the product you bought, such as using your money to make stocks and futures. Then I want to ask, why did he say that you can get 4.4% stock futures at maturity? People can't control it at all, so no matter how he guarantees the safety of your funds, he can't guarantee the income unless he does some people's livelihood medical care and infrastructure construction, which are all controllable by people.
Finally, most wealth management products will be similar to the expected income, and only a few products will be very poor.