Why would I lend a bitcoin if I get nothing in return? Why would I even bother? I'll just keep it in my custody and wait. There HAS to be an incentive for someone to lend even if the risk is at the minimum. But why would the person even borrow in the first place if he already has the money? If I borrow 1 coin I still have to earn it back. So why would I not just spend it and earn in back. There's a lot less hassle that way. I won't have to deal with lenders. I don't see the incentive in any side to participate in this.