buy a house and take their capital out entirely(including all coins, tokens etc.) and at the same time people aren't looking to borrow and perhaps LUNA/UST fell out of favour for whatever reason.
Assume everyone put in 100$ it's not possible for everyone to receive 100$+interest they're owed, is it?
you're not owed any interest, the only interest you receive is what you already have received. The apy is not static.
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