I’m sure that would be his answer as well. However, they would take minimum understanding of what Bitcoin is given the fact that Bitcoin is the collateral. If you trust Bitcoin enough on the upside to lend USD against it for a day 9% return for a year. Why would you not trust Bitcoin enough for an annual return of below current average of say 20% return. Unless…unless, your banking (pun intended) on defaults and you acquiring Bitcoin for Pennie’s on the dollar. Either way, it’s sold as “We are helping you realize gains!” When in reality it’s “This model really only makes sense cause we are counting on a certain percentage of you to get over your skis and we get your bitcoin.” I could be wrong and I look forward to being wrong. When something seems “simple” with “mutual incentives”…typically somebody is selling you dogshit and telling you it’s Baby Ruth’s.