In the US if you have a big expense there are tax advantages to borrowing against your Bitcoin instead of selling it.
But the current 2 lending options I know of, Ledn and Unchained, have 15%+ APR, which is basically cost prohibitive.
If interest rates were lower, would you consider using a Bitcoin lending service, even if you had to send your Bitcoin to a custodian?
What features would you ideally want in a Bitcoin lending service that don't exist with the current options?