Its 22% Annual interest which is pretty good. I am offering 110% collateral in ETH so I am offering a pretty fair loan.
Under a bank, .2% interest a month would be satisfactory but here, even with 119% valid collateral (not saying ETH but say someone did have it) even .2% a day is too little. People expect too much hence the reason many get ripped so easily falling for high interest rates.
Sure some people can offer lots of money, but usually they're trust farming or do have an actual method. Other times some people such as OP just need a legitimate loan for something and people want to make it about nothing other than maximising profit (like yeha I get it I'm all bout the money too but a loan is a loan, if you really want money start a business.)