Good thoughts! Just wanted to comment that 1 and 2 are perhaps more relevant to the Terra chain and UST themselves, not specifically Anchor Protocol, and as such are probably out of scope for our AMA. They are valid questions, but if you want to discuss those, perhaps the main Terra forum is the best place.
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IMO this is a big opportunity for fintech apps, if they can set up automatic insurance. This is what I’m planning to do with Stablegains once Ozone is out!
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Could you give an example of what you mean by programs/configurations?
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I encourage you to visit the dedicated thread for this question.