DeFi but when volatility hits even a good strategy can become limited to short term decisions because of the fear of liquidation. When the market suddenly turns many positions can be affected at the same time.The Renaissance Program made me look at it from another angle. Its focus is not simply on showcasing features but on questioning together with the community what DeFi should look like. While looking at the Renaissance Passport and strategy simulations another question came up do we always want a DeFi where people chase high yield and high risk or do we also need a system where capital can be planned more effectively?This is where fixed rate lending starts to feel practical to me