Hello Ryan
Thank you for this article. I think that this is the best article read so far about protocol fees. Wallfacer Labs reviewed RWA fees (withdrawal, Protocol fees, Performance fee) and incorporate everything in one article!
Really great work! Thank you for sharing!
By the way, GoldFinch also introduced a Late fee. Without talking about numbers and the structure of this fee, in my opinion, i think that once the Protocol will be big enough (TVL +1.5B? =) ) the Late Fee can stimulate fast repayment.
What do you think?
However introducing this fee in our days, during the bear market, will be a little bit premature. IMHO.