I was also going to add that there is every chance that my bLuna continues to grow while in Anchor so my 2.3% interest rate would be negated and the whole thing could potentially pay itself off.
In what other financial system can a loan pay itself AND make you cash.
People say "there is no value in crypto". But there is no value in banks either. They make cash by selling loans. That's effectively what Anchor and Terra is doing. Just a heck of a lot less risk.