It amazes me that smart people are still trying to earn interest on crypto deposits and failing due to greed.

The network or the protocol can reliably pay interest.

A company investing all the money and just betting on time value of money x time and calling it a business plan in crypto land is not a plan. You will lose every time.

There’s no business plan to generate the interest payments reliably over time on most of these crypto lending programs - if the yield curve doesn’t flatten over time welcome to someone’s Ponzi scheme.