Interesting read, I am not particularly familiar with certain mechanics that you speak about, but I did see a lot of valid points in both previous and this posts, I have to say that what I am looking for is the possibility to take out a loan against xpoly, as it would transmit a high level of confidence for anyone just getting into it on the later date, likely for people that are not very well versed in economics or defi concept, the loans could be a relatively simple way of understanding where the utility aka value is generated by polycub.