Any loan requires a counterparty, or several and that requires trust, you will have to decide for yourself how much that risk is worth, lets play this out

You could go fully collateralised on-chain P2P with a service like hodlhodl, but liquidity is not great so you have to limit your size or take out multiple loans and try to balance your LTV and interest rates in a range you can comfortably sustain over the repayment period (still trusting the stablecoin issuer IE tether)

A step above that could be doing it on a side-chain like Liquid or Rootstock, again liquidity is even less and you're using a layer with different trade-offs to the basechain, IE you still have to peg out later

Then theres the CEFI route, you pick a company lets say its LEDN or Unchained and you work with them, if anything goes wrong you have a multi-sig key to recover and you have someone to sue for breaking your contract terms

Then theres the wrapped Bitcoin, smart contract bridge altcoin DEFI where you're trusting

While you might think you're getting a good deal on interest rates versus the other options, you have to factor in MEV, paying all the gas fees to lock in the deal and for all your repayment transactions

Like Nerd says, DEFI its trust maximised

Then don't use DeFi. You're involving MORE trust and MORE risk NOT LESS. It is not trust minimized it is in fact trust maximized. It has more individual people who can pull the rug along the chain of trust.

I've commented on another post of yours. One where you reveal that you bought into lie sold by scammers that maxis are just maxis because of the blocksize wars. I can't speak for everyone, but the Maxis I know are BORN FROM BEING SCAMMED. Maxis were born from ICO scams, even more Maxis were born from DeFi scams, for some Maxis all it took was taking a look around and realizing nobody is taking any of this seriously, but Bitcoiners.

You're not going to understand Maxis because you don't even respect why we get so angry at people pushing scams in the first place. There are moments when I have to look at a nym on the internet and I have to ask myself if the person I'm talking to knows better and is trying to scam or doesn't know better and is just parroting the words of some other scammer.

For you, I want to say you're just stupidly naive. You think what you're looking at is technical reality and you're too pompous to recognize how the technical aspects interface with the social. You think servers just run code their supposed to run and everyone follows the rules that are set out in your rulebook. You don't have a hacker mindset. You fail to think adversarially. I can be naive myself sometimes. I can think people are mistaken rather than malicious.