I am not in favour of lending the coins you have on some platforms for the interest. I had rather create a master node and stake my coins in it provided I am confident that I have invested in the right coin.
True, because lending will only make debts that must be paid, anyhow if we lend coins, the risk is very large and may not be profitable, so in this case it is clearly better to invest into the right coins and potentially convincing.
POS and masternode coins have the same risks as lending too but when the price of coin goes down a lot and you will have no chance to get your money. In lending when you are using the trusted site and you will be safe and you can also use your USDT coin to get some interests