China has decided to pay interest on their own stablecoin, because it benefits ordinary people, and they recognize it as a competitive advantage. I worry we are missing the forest through the trees in the U.S. Rewards on stablecoins will not change lending one bit - but it does have a big impact on whether U.S. stablecoins are competitive. Rewards (or even paying interest) benefits ordinary people just like community lending does. We have to let the market do both.(Brian Armstrong)