Fixed interest rates are never conservative; they simply refuse to cater to emotional swings. DeFi's preference has never been certainty, but rather gambling within volatility — floating interest rates, rolling principal, re-mortgaging — all betting that the market will give you room for error, a chance to correct. It pushes all variables into the present, forcing you to decide life or death in one go. Fixed interest rates are not inclined. No wonder humans instinctively resist: there is no buffer for “look again later,” no excuse for “adjust when the market changes,” not even a place for self-comfort. Profit or loss depends on whether you understand the cycle, not on whether you gamble on the price. TermMaxFi stands on this anti-human edge. It doesn't help you increase returns; it pushes decision costs sharply forward. Term, interest rate, outcome — nailed from the start. This is not gentle at all; it demands sharp and direct judgment. Fixed interest rates are a showdown with oneself. Floating interest rates are a negotiation with the market, @TermMaxFi doesn’t give answers, only presents an unavoidable choice. Are you brave enough to make one judgment and bear all the consequences?