If you can't predict interest rates, is DeFi lending really making money or just gambling?

The emergence of @TermMaxFi essentially challenges a default assumption: that interest rates must be floating.
In the past, everyone was used to the dynamic interest rate models of Aave and Compound, but few realize that this design is more suitable for professional players rather than ordinary users.
@TermMax breaks down lending into a simple logic: you know the future costs and benefits from the start.
It sounds basic, but it's actually one of the most core capabilities in the financial system.
The question is, do on-chain users really care about this?
Many come to DeFi to capture volatility, not to hedge against it.
So this kind of product naturally divides the user base: some see it as a necessary evolution, while others see it as a restriction on space.
I tend to believe it's filling a missing piece in DeFi, rather than replacing existing models.
@wallchain #Ad #Affiliate @TermMaxFi