DeFi protocols such as Aave are already doing that.
Free market sets the borrowing rates based on supply and demand.
These protocols rely on infrastructure that works almost as well as the TradFi does.
C - Stronger infrastructure need to be built
$4.75B has been lost in DeFi hacks, 11% of TVL.
There need to be more rigorous standards for smart contracts so that DeFi can thrive.
Most of the games that were made last bear market were just meh...And they saw 100x gains.
There are about 10 crazy exciting cool games that should be releasing in this bear.
Easy axie/sandbox opportunities.