Lending money in terms of bitcoin and profiting with the varying rate of interest for the amount gives a stable earning. The same is highly risk involved as there is requirement of collateral for the same amount that's been provided. Here users provide valueless collateral causing us loss. So rather than lending better is to start trading.
Totally agree with you. This is not the best way to use bitcoins. There is a big risk of losing all assets. It is better to choose not such a risky way to earn bitcoins
I also agree with you. Yes lending money gives you earnings but also gives you doubt that is what you have lend be back to you? It's a very risky thing to do. Unlike trading bitcoins, less risky and you'll be sure that you'll earn because you'll also be the one to manage trading strategies you will use.