I don't think she is talking about that kind of lending, I think she means the kind of P2P lending services which some services and exchanges offers, like the Nexo or Money token platforms and numerous exchanges where you can borrow cryptocurrency and repay it after a period of time, there are also some decentralised ones as well, it's a lucrative way if earning Cryptocurrencies especially when you lend stablecoins which is not prone to volatility.

I personally don't care much for staking because the annual reward is quite low (10% to 15%) compared to the risk involved, you might stake 10,000 tokens worth $5000 and by the end of the staking period, the staked tokens are now worth $500 even with the profit, it's just not worth it at all in this bear market.