Ok i just looked up DAI

I'm watching a video on it and all this financial babble about collateralized debt. This just sounds a lot like someone selling equity in their home.. only instead of getting cash they get some weird crypto.

Ok so the Dai is kept stable by users who are some how incentivized to keep its value at one dollar...

but it that fails another token called Maker comes in..

I;m sorry but this sounds over complicated and insane, almost like it was put together to baffle people into buying it because they feel stupid.