Will we ever manage to solve lending/borrowing in DeFi as in the tradFi world? Overcollateralized lending in DeFi today is capital inefficient. Why put down collateral worth $10,000 to take out a $5,000 loan?  Unlike in TradFi where commercial banks have a lot of data about you and thus can rely on your creditworthiness, lenders and borrowers don’t know each other. When someone borrows from the lending protocol, you don’t know his credit history. Overcollateralization ensures that if the borrower defaults on his loan, the collateral will be sold to give lenders’ money back. This problem sounds pretty much impossible to solve in DeFi, like why would someone lend you $10k if you only put down eg. $2k? Is any protocols looking into this with a credit system?(Route 2 FI)