this is the problem of most defi platforms offering passive income. because it depends on how strong their business is, if you are able to really get passive income. because if they fail to attract clients, passive income may be good at the start but it can easily drop as time goes by. so the platform should not rely from the users who will buy their tokens but they should have other means how to generate their income. maybe a tangible product or service that can give them continuous flow of income.
Without liquidity, it is impossible to survive. People will not use the platform if it will have no liquidity and no users.
Liquidity is very important for every platform. It is necessary to check the conditions of lending to find better conditions. Also it is necessary that all loans will be returned.