Interesting when you mentioned BitConnect and don't forget about Miracle Tele also PosToken when they launch lending platform all going bad, my fund lost in PosToken lending platform. If see 3 lending platform that I had mentioned all of they been setting to be Ponzi Scheme.
Have you tried Compound? MakerDao? Instadapp? Or Nexo?
I'm not sure about Nexo but I can vouch for Compound. Yes, it's risky but not as scammy as hell as Miracle Tele which clearly gives you red flags from the beginning. If you're afraid of crypto lending then join something like Koinworks, then use the profit to buy crypto.
lending I think is not convincing, a lot of people experience losses from lending.
How many? Any factual data that you can provide? I'm interested to see the comparison.