These platforms mimic margin trading systems. On the grand scheme of things they serve a purpose. However, staking and pay to earn may become the dominant capital accumulation structure for blockchain. When people realize this notion many may choose the safer alternative. Just my opinion.
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Yes it is but it would have to wait till the economy accepts crypto and the fees are smaller. Right now we are in a fiat based system so it is too troublesome. But I do believe in the future when it becomes way more crypto related, then it is a possibility.
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