Look at BlockFi from end to end not what it offers to crypto holders only. Return in the form of interest to crypto holders in return for lending the value of those crypto to borrowers and earning interest from them.

Offer crypto holders chance to be part of new crypto startups (people who made money through crypto want to pay forward to the crypto ecosystem) and fiscally disadvantaged/ sustainability people/ project (WSB ape story) without requiring them to sell their cryptos.

Edit: Also, I don't have all the answers, if I did, I would be executing the idea instead of talking about it on a forum. My reason to share is two folds:

1. I am aware of several crypto-lending startups prior to BlockFi that failed. BlockFi founders are geniuses to figure out a structure that works beautifully. By sharing, I am just exploring where else the similar structure could potentially work.

2. Sharing such ideas exposes me to potentially complementary-minded people who might have answers, I may not have, and explore pros and cons that I may not have considered. You never know who comes along in future endeavors.