# Call for ideas: how to encourage more borrowing? **URL:** \ **Category:** Mechanism\ **Created:** [October 12, 2021, 9:51am UTC](https://forum.anchorprotocol.com/t/call-for-ideas-how-to-encourage-more-borrowing/1307 "2021-10-12T09:51:46Z")\ **Posts on this page:** 1\ **Showing post:** 26
**Author:** ![mariano247](https://sea2.discourse-cdn.com/flex016/user_avatar/forum.anchorprotocol.com/mariano247/32/418_2.png) [@mariano247](https://forum.anchorprotocol.com/u/mariano247)\ **Post date:** [January 13, 2022, 11:01pm UTC](https://forum.anchorprotocol.com/t/call-for-ideas-how-to-encourage-more-borrowing/1307/26 "2022-01-13T23:01:10Z")
I will link threads were I specifically discuss the exact topic of this thread. > [@This protocol needs to come to terms with reality](http://forum.anchorprotocol.com/t/this-protocol-needs-to-come-to-terms-with-reality/2163): > > As the title says, anchor needs to come to terms with reality and own opt to the fact that it’s current system is 100% unsustainable. It is not MIM degebox fault, nor is it the lack of borrowing. It’s reality, its market efficiency and its also a consequence of risk to reward ratio. Anchor is being parasitized because it lends itself to that situation. For example: Nexus protocol exploits the inconsistencies in the borrow/lend ratio (borrow being drastically lower than deposit). Which in tu… > [@\[Proposal\] Decrease borrow APRs to 4-6%](http://forum.anchorprotocol.com/t/proposal-decrease-borrow-aprs-to-4-6/2195): > > As I stated in the last comment of my thread [This protocol needs to come to terms with reality](http://forum.anchorprotocol.com/t/this-protocol-needs-to-come-to-terms-with-reality/2163/11) . If the real goal is to incentivize borrowing then we should start treating borrowers like they deserve to be treated, that is, in an equal way to depositers. There is so much focus on giving depositers a stable and predictable APY but when it comes to borrowers, which are by the way the very people who keep this protocol alive, we force them to pay a high APR with the “promise” that they will be pay… --- _[View the full topic](https://forum.anchorprotocol.com/t/call-for-ideas-how-to-encourage-more-borrowing/1307)._