I haven't really understood how crypto lending works, but I think I would prefer lending from the bank than lending or borrowing crypto because the crypto market is very volatile and we don't know what could happen in the next few months or weeks, or even days to come. Imagine lending a person $1000 worth of crypto and when it was time to pay back, the crypto was worth $500, you see that you have lost a lot of money instead of gaining money which is a very bad thing, the only way to carry out lending in crypto is via USDT.