Why would someone want to buy treasury bills as opposed to, Microeconomics

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Why would someone want to buy treasury bills as opposed to

Currently the interest yield on short term Treasury Bills is near zero. Longer term rates for mortgages are under 4%.

Why would someone want to buy Treasury Bills as opposed to investing in mortgage backed securities? Explain in terms of risk factors

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Microeconomics: Why would someone want to buy treasury bills as opposed to

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