The reason for not having yet a 80% LTV is not a lack of willingness but rather ensuring the safety and reliability of the protocol.
It’s not as easy as ABC and the biggest risks, as far as im concerned, are risks for high oracle spread data as well as they speed at which this data is recieved.
If you look at this post: [Proposal] Increasing the capital efficiency on Anchor
you can see that there had to be mathematical proof that the protocol was not exposing itself (and thus it users) to any additional risk.
We should probably expect this limit to be increased over time, but there is still work to be done.
I’m just a beginner so somebody better prepared may be able to give a more in depth explanation.