The lending program that will have names and faces known and behind the scheme will have my support .  I think with the break of bitconnect and people lossing 90% of the money there will be difficult to belive in ANY of lending platform. Thats why all of developers of lending programs are annoymous as sooner or later there is a fall and investors in the dry.
I think if people do not want to trade crypto they should invest in crypto fund like some to be found on Iconomy....or similar...
Lending program with occasional negative interest when crypto falls will have my belive.  As in life there is not always going up it some times goes down to.   Lending programs with daily rate almost the same even if market crash they should be considered ponzi scheme if not all of them found now in the market....