The N50 million entry barrier is definitely a point of frustration for many, as it effectively shuts out the average Nigerian from accessing the stability of government-backed returns. From the perspective of the Debt Management Office, this high threshold often serves to streamline administration and maintain liquidity by dealing with larger institutional players rather than managing thousands of retail accounts. However, a middle ground could be found by encouraging the DMO to offer more frequent FGN Savings Bonds, which currently allow for much smaller entry points of N5,000. While the primary market auctions for large-scale bonds might need to remain exclusive for macroeconomic stability, the government should certainly do more to democratize access to these instruments through digital platforms and lower-entry-level products to foster a culture of local saving.