Fixed interest rates are never conservative; they are simply unwilling to cater to emotional swings. DeFi's preference has never been certainty but rather the gamble within volatility — floating interest rates, rolling principal, re-mortgaging — all betting that the market will give you tolerance for error and a chance to correct. It pushes all variables into the present, forcing you to make a life-or-death decision once and for all. Fixed interest rates are not inclined. No wonder human instinct resists: there is no buffer for “looking later,” no excuse to “adjust when the market changes,” and even self-comfort has nowhere to rest. Profit or loss depends on whether you understand the cycle, not on gambling on the price. TermMaxFi stands right on this anti-human edge. It doesn't help you increase returns; it ruthlessly front-loads decision costs. Term, interest rate, outcome — all nailed down 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; it only presents an unavoidable choice. Are you brave enough to bear all the consequences for a single judgment?