Why are more and more DeFi users starting to rethink lending logic?

Because everyone has finally realized that floating interest rates, which seem fine in a bull market, tend to spiral out of control during volatile times.
Many people may have experienced this situation: their positions were fine, but suddenly borrowing costs spike, and their profits are directly swallowed up.
And @TermMaxFi is now trying to address this kind of uncertainty.
Fixed interest rates, fixed terms, one-click leverage—these are essentially about reducing user management complexity.
Many people say this isn't exciting enough, but truly large funds have never liked excitement.
Because the most expensive thing in financial markets is never the yield, but stability.
I increasingly believe that in the future, DeFi will clearly stratify.
Retail investors will continue chasing high volatility.
While more and more mature funds will start shifting toward fixed income and predictable models.
@wallchain @TermMaxFi @River4fun @RiverdotInc