Have you the possibility to not pay ur credit for life ? With zero you lock up collateral and you keep control with your private keys. You don't have to pay back if you don't want to. No multisig involved just ur private keys.

The "problem" is you have to trust bitcoin sidechain RSK. Weak point is the peg with multisig federator behind TOR, you can argue it's weak and not enough. I love the RSK network and the projects but I expose myself carefully in part because of this.

Being lender and borrower is truelly game changing.