Interesting observation: Spark was never meant to be a 'safer Aave' from the start, but rather an on-chain commercial bank + money market fund. Sky acts as the central bank, setting the policy rate, while Spark earns long-term stable returns through structural spreads. This model abandons the rapid expansion route common in DeFi, only accepting blue-chip collateral, essentially providing predictability for institutional funds. Retail investors might find it conservative, but for large funds requiring long-term deployment, this level of certainty is far more valuable than imagined.