Things will get interesting when they compete with bonds. Right now, I think it's only a combination of people who don't want to move USD from Bitfinex (awaiting BTC entry) or folks who haven't moved their money, yet. Still no word from BFX. Last I heard "they're working on a solution", lol. But we're still just greedy lenders, right? They're going to be screwed when no one will margin trade because there's no liquidity left.