Traditional lending system is kind of having lot of benefits like low interest rates and not really any need for collateral for some kind of loans but for decentralized we need to give something that equals to the value we are getting so it better to sell that and have the money we wanted in my opinion.
The US credit system is quite different from that of other less developed countries. If in the US you can take out a loan at a few percent per annum, then in Zimbabwe the percentage will be higher than 40.