Don't be delusional, its only hypothetically up to 14%.
Actual rates goes over 1% only when insane rally and for a few hours, rarely 1%, and is averaging 0.3%.
It is currently at 0.178%. Are you ready to lose 95% of your funds for that rate?
Well, I already successfully lent out money at over 4000% APR on bitfinex on multiple occassions. These times will come back, if you continue to act like lenders might agree to receive worthless sh*t (I certainly would NOT want to get any LTC for example and I have no control over how USD I lend out are used - they could be buying BTC or LTC) or that traders are in any way supposed to get some 100 USD Bitcoins just because someone didn't deposit enough BTC over at Bitstamp.