Several things that are fundamentally wrong with this proposal:
- As others said, people can break up >$100k into multiple wallets, defeating the point.
- $100k is a very arbitrary number. Why not have everyone pay a proportional share and have skin in the game? Capable whales that can write scripts that auto-generate multiple wallets will evade this threshold anyway.
- As @ryanology045 himself said, this would discourage a lot of valuable b2b integrations (exchanges, apps).
- The Anchor team and community are working on a ton of ways to stimulate more borrowing (recent example here but there is a lot more). Why not see how they do first before crippling the depositor side?
- Speaking of @ryanology045 's ideas, here is one thread and here’s another one with more ideas for improving sustainability and ANC value. I particularly like the latter, which avoids the cons while potentially having much more positive impact in terms of avoiding parasitic yield grabbers is to lower (e.g. halve) the yield of smart contract depositors. This way, leeches like the Abra degenbox that actually are causing deposits to spiral out of control will do a lot less damage.