That's what you got out of it? Keep researching, because Maker has been building since 2015. The more you read into it, the more you understand these design de

That's what you got out of it? Keep researching, because Maker has been building since 2015. The more you read into it, the more you understand these design decisions and the way the system works. There's nothing overly complicated about it. You need to understand that you've likely just started thinking about crypto and blockchain design, but these guys have been living, breathing and thinking of smart contracts/blockchain since at least 2012. You need MKR tokens for governance, like to control the interest rates as well as the price oracle whitelist. Maker is a DAO (decentralized autonomous organization).