This is interesting. I agree many that offer crazy APR are rugpulls. I just a small fish so bigger APR don't make too much of a difference. Of course I take it, but I rather have stability and take 12%, HBD is stable, pegged to the USD. And everything is transparent is way more important !
Yeah and unfortunately those scams often look for the small investor to target so they can take them for all they're worth.