Agree. The only thing that bothers me is that it is not 100% open. One would argue that it cannot be open, because if people knew that the coin would always go up in value, they would not lend the coin. But if they don't lend the coin the coin would not go up in value. So in some ways, you need to make sure people lend the coin. It's a catch 22. The question now is. Is it possible to create a totally decentralized autonomous and open source system that can accomplish the same?