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I've thought about this many times, but I can't figure how to make some sort of guarantee that the loaner will get their money back 🤔

It needs the be through smart contracts like the main DEFI platforms but Hive doesn't have that capability

Through vsc maybe? I think they enable the use of that on hive, but I can't remember exactly

Maybe someone will build something like that. Not sure. All I have seen from them is the BTC thing.

Agreed. We need to have a lunchpad like BINANCE do. Staking hive give newly tokens

That already exists on the Hive-Engine second layer. Tribaldex has a launchpad where you can create tokens and sell them on the market. Then projects can choose how they distribute the tokens.