The story behind this is an interesting commentary on credit, where you can get it, and how crypto allows you the ultimate flexibility. My kid is an aspiring musician and was moving up from the student level instrument to a more advanced one. I had three options: 1. Pay for it in cash (sell BTC to raise the funds) 2. Buy now pay later loan 3. Crypto backed loan I chose the third option and here's why. Many of these retail establishments push you into a "buy now pay later" loan for large expense items with repayment terms over 2 years. They even tease a very low or zero interest rate. What they don't tell you is a 40% APY rate is hiding behind the teaser deal -- one mistake, one late payment, even if it's the FINAL payment, they could charge you 40% APY on the ENTIRE original loan balance. Read the terms carefully before you accept one of these deals! Instead, I supplied cbBTC to Neverland, borrowed the USDC I needed, sent it back to Coinbase, and paid off the credit card charge. I lobbied for the interest rate curve change on Neverland because the previous incentive structure required users to sell DUST to offset the cost of their loan. Retail users doing simple crypto backed loans will go to a competitor instead of dealing with DUST volatility. It was a gamble for the team to change the curve and reduce the reserve factor, but it made Neverland an ideal place for its best use case -- retail users needing crypto backed loans. Now those same users can access cheaper borrowing, earn DUST incentives on their collateral, and start owning a little piece of Neverland by doing it. Sometimes getting back to basics is what a protocol needs. Give users a great option to supply a directional token like cbBTC, WBTC, WETH, and/or MON/LST and take a loan against it. Give them competitive borrowing interest rates. The team listened and delivered.