It's basic economics guys, the rate is dictated by the market. It will always find it's level where it is both low enough for traders and high enough for lenders. That level will constantly be shifting.
Exactly that.
Sure, from your side, as a liquidity provider, it's bad rates.
I, as a liquidity taker, like the rates.
It's whatever 'the market' decides. I see no need for manipulating this anywhere.
If the rates were higher, in these bearish times, I would stop taking liquidity altogether and close my position. This would free a lot of liquidity, lowering the average rate.
Besides: 30% p.a. was the regular rate back then too, when the market was calm. Now, the market is pretty awful for going long. 30% isn't that bad, for having virtually no exchangerate risk.
Also, I don't see any need to add filters or different views. All info is there: rate, fixed/variable, time. It's even sorted by rate. I see with one look what the current rates are, and naturally the lowest rates are for the lowest runtime. Heck, when entering a too high offer, I automatically take the lowest offers until I have all funds! With the right runtime too.
What's there that would need fixing? It's all working well!
Ente