Lending protocols are quite interesting from a social mechanic because 1) As a borrower, you are trusting that other borrowers do not make big borrows that would spike your rates 2) As a borrower, you are trusting that depositors not to make big withdrawals to spike your rates 3) As a depositor you are trusting that the protocol doesn't make big marketing pushes that will increase more depositor that decreases your yield 4) As a depositor, you are trusting that borrowers do not churn that can decrease your yield I ignore instances where the protocols or whatever manager decides to adjust the interest rate curve because that one is centralized and be communicated. Was thinking more of prisoner's dilemma PoV where everyone wants an ideal outcome without really communicating