Agree. This is largely a chicken (usage and demand) and egg (stable value) problem. We unfortunately can't do anything in real time about usage (we can, however, use a higher APR to create demand from adventurous investors and those who already hold it and are willing to continue to do so given a sufficient yield), only work to maintain a stable value so usage and demand can follow. Of course, we also need longer term projects on the usage and demand side. Fortunately there are such projects ongoing, but real progress in usage can only come over time. Building an economy around a blockchain is not an easy task!