I see you and edicted's point, but I also hold out hope that the loan aspect will really provide for utility down the road and combined with low and very slowly growing supply will indeed do what it is supposed to do.
We will see, and I also believe the criticisms make for good thinking and better future launches (hopefully).
I guess I am in all of this not only to make money but also for curiosity sake. So far, I have made a good bit of "money" so I can't really complain. No I am not 100x or anything, but it is a fun ride :-)
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Loans will be very interesting but we need to ensure the vault actually has enough supply to actually service the users who want to borrow.
We can only learn from this :)
All of this being said and as Edicted pointed out above: I hope to be completely MISTAKEN and I would gladly welcome being EMBARASSED for not being able to see it. Until then, I'm a pCUB bear.