Heyo you just described this guy 😂 

Have already used bitcoin-backed lending services v productively the past 3 years. 

99% of my peers have not. Soon, it’ll be the major option 

 @Juraj's book has the best explanation on how to make it work at least for me, but I must admit it’s something I’ve only tested with a few thousand for learning 

https://www.amazon.com/Cryptocurrencies-Bitcoin-Decentralized-Payment-Networks/dp/8057043482