This doesn't seem to encompass stablecoins that are fully-collateralized, as many claim to be (which is disputable in a lot of cases). Getting money from users

This doesn't seem to encompass stablecoins that are fully-collateralized, as many claim to be (which is disputable in a lot of cases). Getting money from users for a token on which you pay no interest and getting the full interest yourself does seem like a good business, it's just not one that would attract customers that have better options.