I haven’t ever seen a crypto lender stay solvent. Unless: A) The money never leaves the platform such as with collateralized margin lending for shorting / lev

I haven’t ever seen a crypto lender stay solvent. Unless: A) The money never leaves the platform such as with collateralized margin lending for shorting / leveraging. B) The money is collateralized such as on DeFi with AAVE. BTCJam gave small, well-diversified loans based on credit scores, reputations, business ideas, and identity verifications. They iterated and tried almost everything but they couldn’t get enough money that left the platform to ever return to the platform. Scamming the banks seemed to be way more profitable and lucrative than using borrowed money for economic activities more productive than the borrowed interest costs.