I have 2 questions. The 5-7% you mentioned, are you talking about APR? If so, this isn't a lot I think. Interest rates set by countries have risen in the last year. So this gradually effects other rates like Crypto trading too. And are you referring to the rate for leveraged trading? If so, this is set by the market conditions. I do not think it's about greed at all. Lending out things is risky. Whether it be stocks, a loan, or even money for leveraged trading. There are many exchanges and a lot of competition among them so this helps keep rates in line with reality.