I was just thinking recently that we needed some kind of bonds and loan systems. A friend was unhappy to discover that there are some things about Kiva (the microlending site) that she doesn't like, and I thought, it's too bad Hive doesn't have a lending mechanism.
Is this something already being considered for a future HF or your suggestion that it SHOULD be considered? It's a great idea.
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It is in some stage of discussion. We talked about it for a couple years and the time vaults are going to make it into a hard fork, just a question of which one. It might be the next one it might be one after that.
I would like to see some type of time vault system, even if limited go into the base layer as soon as possible. From there, people can work on some layer 2 apps that can test the rest of the system being discussed. If things work out, that could be then added in future hard forks if the decision is to put it on chain.