I think there is a market for lending crypto but it is harder to do. There is no fed to loan coins from. And no fed to create coins from thin air. They must com

I think there is a market for lending crypto but it is harder to do. There is no fed to loan coins from. And no fed to create coins from thin air. They must come from deposits. There is no fed to set base interest rates. The rates are based on the demand for loans in a particular coin vs the supply for the coin. This system may be more equitable than the current one as the people putting money into the system are making an acceptable ROI of 5% or more. It doesn’t seem fair to invest $1000 in a bank, have the bank lend out $900 and give you in return less than 1% interest.