You indeed understood my questioning regarding the VIR correctly. I only wish my perspective wasn't already spoiled. I should be overjoyed at the possibility of 100% annual returns, but have seeing a few days of 2 - 3% per day returns, it seems disappointing.
The 1000%+ loans only started around the Bitcoin phase past $100, thats when the bubble was in full swing and the interest was bubble money essentially, we profited from the traders taking profits from people speculating big time.
For these loans to come back another bubble has to form, even a linear growth of Bitcoin will only allow for rates between 100% and 300%