Yes we need to compound our earnings and the easiest way for people to see it in HIVE is just to stake their HIVE. You get more of it even if you do nothing and if you curate/lease it out, then you can get even more gains.
Staying out of debt is annoying but you need debt to be in your favor. The biggest issue I see is that our current system tracks your debt. You won't be able to buy a house or get a car loan sometimes without a good enough credit history.
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Without a doubt staking is the easiest way to get working on compounding. With HIVE, it pays a little over 3% and then one can start curating. This will begin to provide some returns coming in especially after the next HF.
As for the current system, I think DeFi is really going to put a dent in the lending market over time. It will take some time to mature but we can see how things can change. There is a lot of collateral being generated in crypto. That can be leveraged for loans and things of that nature.
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