I'm not OP, but the money has to come from somewhere, because people want dollars, not some $shitcoin which may drop 90% in value overnight. A credit card typi

I'm not OP, but the money has to come from somewhere, because people want dollars, not some $shitcoin which may drop 90% in value overnight. A credit card typically maybe has 15-19% interest. So I'd be surprised if the average credit card gets 10% profit per year from interest payments minus defaults. But somehow you're going to get a guaranteed 15% rate from algorithms? Smart contracts?