We're getting into the weeds. I'll need to listen to the interview.

I'm talking about the general concept of lenders creating a system that allows them to scrape off the top. No, it rarely makes sense for the borrower who carries the vast majority of the risk. But I think we're talking passed each other because I'm completely lost on your post.

Sustain a 300 trillion dollar market on what? Lending? BTC?  Lending BTC? I've lost track of what we're talking about. 

Let me listen to the interview and get back.  

 It's more than 2 hours long, so I'll talk to you tomorrow xD