and the other problem is that if ETH increases in value to an amount that is in excess of the collateral there is no incentive for you pay back the debt and the protocol has to wait for it to be cancelled or be able to liquidate the debt for it not to be undercollateralized, if not we would have unbacked aleth.
Not that is totally out of the question because it´s future yield but that should be factored in with a risk premium which may make the product not market fit as it is now. If someone wants to make the protocol over alchemix taking advantage of the self paying feature and charging an additional fee for the risk great