True - and this goes beyond lending. Institutions demand control and predictability not just in products, but in the governance that impact them. A product with flexible risk settings is meaningless if governance can flip them overnight. Predictable upgrade paths are only useful if decision-making processes are equally predictable and representative. Clear accountability, SLAs and charters are mission critical when things break. At Liquid Collective we've generally been thinking of governance as a key aspect in product design. Definitively feels like protocol governance is going to enter a new chapter.