Could have gone either way. Luckily it didn't turn out to be a scam. Although one can wear a tinfoil hat and argue that the people who are lent our cryptos from such service help manipulate the market (in their own selfish way) but that's a discussion for another day. I think the naysayers are still fresh from the BitConnect exit scam and so they are generally pessimistic about the DeFi space. It's not wrong though. It's a conservative approach. Hodl and save it on some offline wallet and reap it later. Their crypto, their rules. Although I do also recognize that some would want to make their crypto work for them by trusting on these DeFi (well they aren't really completely DeFi, more like custodial services, but I think that's good at least we have people to hold accountable for) platforms.

It's pretty interesting how heated some of the discussion went down here. I do wonder if the same people who threw flak on this project and other custodial service change their tune or they think it still is a big load of rubbish. I do love to hear their thoughts about this in 2020. This is genuine curiosity. I just would love to learn the mindset of the skeptics of these projects, whether they be Crtpyo, BlockFi or Celsius. Is every project that comes out of the DeFi space like Bitconnect or a scam? Then there sure are so many people in the crypto space being deceived by such projects.