I don't see a problem even if Bitfinex put lender in a favorable condition.
The market force will do the trick and adjust the interest rate accordingly. If all of us (including you) think that being a lender is more favorable , why not just lend out the fund instead trade in a such a high risk environment?
Sure,
I looked at just lending on BitFinex,
only problem with that is that a Trader can go Belly-Up
and the lender can still loose, at least that's what I read
when starting with BitFinex, but that does not appear to
be the case, there was nothing mention to the effect of
a "Circuit Breaker" to halt trading to "Protect" Liquidity Providers, a "Fail Safe".
Meanwhile I've got to get back to the Market, the bills don't stop coming in
when BitFinex decides to stop the trading engine, but as previously stated,
That Lender's Side is beginning to look more and more attractive to me, but
of course there is competition there, everyone competing to see who can offer
the lowest rate, which is another reason that it turned me off.