It’d be nice to find ways to help future users, who may be unable to pay back their loans also!! Debt spreading tools etc… One possible issue with defi is perhaps that it encourages over-borrowing into crypto itself and thereby creating a zero sum. Meanhwile whales lending out assets get richer and richer. DeFi must remember trad. banks (used to, also) assist people to manage their money. Limitations on lenders must be set.