@TermMax made me think about DeFi borrowing like planning a small business budget. I can accept a cost; what is difficult to work with is a cost that shifts while the plan stays the same.

With a fixed rate and a fixed maturity, I know the question upfront: is this borrowing cost worth the time I am buying? That feels more honest than treating an APY widget like a promise.

The trade-off still matters. A fixed rate can look less attractive if floating rates later fall, and collateral can still move against you. But certainty has value when the goal is to make a deliberate decision instead of refreshing a dashboard every day.

What would help you more when borrowing: a known rate or maximum flexibility?

@TermMax #TermMax