Terrible idea. Let the individuals lend, not the blockchain. Do we need to mimic the central bank?
Individuals need to collect interest. The blockchain doesn't. If individuals compete then interest rates can go down, how does the blockchain compete?
Are you sure you don't want the blockchain to be profitable? The blockchain would provide a base level loan offer with a rate/loan size which would be another votable parameter.
Of course I want the DAC to be profitable but not at the expense of that which would actually attract the liquidity in the first place. Liquidity is attracted by people making a profit, and the transaction fees should be how the DAC makes a profit.
And DAC profit can be in the form of burning fees, but people have to profit in the form of interest, yield, etc. So you need a balanced economy where as many people as possible have an opportunity to profit and when you take opportunities to profit away you make Bitshares less attractive.
So I would say the bond market with individuals profiting is actually better for marketing than trying to market the blockchain profiting. How do you market your proposal to people who used to get dividends from stocks, yield, interest on centralized exchanges, or even yield from BitUSD etc?
Bitshares 1.0 offered profit opportunity to anyone who parked on it. Bitshares 2.0 does not. And then we wonder why Bitshares 2.0 has liquidity problems?