Greed is an inherent aspect of human nature, challenging to eliminate but manageable at a modest level. Each individual harbors an innate desire to accumulate more, a characteristic rooted deep within our genes and extending back through human history. However, in the past century, this inclination has intensified, almost evolving into a quasi-religion. People tirelessly pursue material possessions, often unnecessary ones, driven by the fear of others acquiring them first. This insatiable greed has given rise to an intricate system of borrowing and lending money, often without the means to repay, perpetuating a cycle of eternal debt. We, in effect, find ourselves ensnared in a world of financial servitude, where people purchase various items using money they do not possess.

Bitcoin emerges as a potential solution to this conundrum. It enforces fiscal discipline, preventing users from spending more bitcoins than they possess, with an unalterable cap of 21 million in existence, eternally. However, there's a twist in this tale. What we observe today mirrors what transpired in the 17th century when banks offered individuals with gold a secure location to store their valuable coins, trading them for IOUs representing a specific amount of gold. In a similar vein, contemporary digital platforms cater to Bitcoin owners, enticing them to lend their BTC in exchange for a percentage of interest. Yet, a question remains unanswered: where does this interest percentage originate, if the supply of BTC is inalterable and cannot be augmented? Defi scammers join the chat

Didn't the market just crushed schemes like BlockFi? But: I think that companies like Blackrock will use their ETFs to collateralize them and create new USD on top of it. That could be one of their main goals to keep their system afloat. Is that what You meant?

Visa is charging people 28% interest on credit cards. Are cc companies the loan sharks you are talking about?