If only they read about how to properly use Oracles. Plus, any lending app relies on price feeds which introduces a certain degree of centraliztion - some tolerable (e.g. makerdao, augur), some not (e.g. dharma, nuo, bzx).
Until people start caring about themselves and about decentralization of power, people like this will keep building “decentralized” stuff and the users will be none the wiser. Education is key!