I'm not 100% sure of all of the reasons - I imagine some of it is defi being harder to access, some of it is the increased risk (uncertainty / it's reasonably n

I'm not 100% sure of all of the reasons - I imagine some of it is defi being harder to access, some of it is the increased risk (uncertainty / it's reasonably new), some of it is removal of middlemen, and some of it is incentivized behavior as a growth hack (similar to Uber subsidizing rides). Curious for other peoples' thoughts on what drives the higher interest rates.