Wetsuit and TheQuin don't know what they are doing? They deliberately create such conditions and raise the rate to 6%, and then complain that they will soon go bankrupt. Where is the logic? Why can't we leave 4.08%?
There is no 6% rate of interest available that I've read of. That'd be 50% more then 4% and the highest tier listed gives a benefit of 25% increase to interest so at most half of that and even then nobody has got this yet because it takes a full year of holding FUN tokens to get the full benefit.
Most of us are caught up with the short term movement, this week BTC is bearish it broke its pattern of gains and people lost that ideal new ATH so its back to the 50 day average. Next week or month who knows but next year I'm reasonably confident its fine so I dont mind the long term hold required for the premium benefits, hopefully it wont be a big deal in retrospect to just hold onto.