All that doesn’t make any sense, it is still the same thing the bank system of giving loans. If you want to take loans from banks you give collateral and that’s the same thing with cryptocurrency lending you're still going to give something in return before you get the loan (yes, you're give your crypto in exchange for money) and when you don't pay back plus the interest you're not getting your crypto back. So I don't see any difference and there is no need for me to be talking about which one is the best, I'm not the type of person that borrows money. I've never had any reason to and I don't even wish to.