They are using it because they can’t get loans elsewhere. They aren’t(and should not) be holding TRU tokens while taking on 16% interest in debt.
They care in that they like the access to easier credit than traditional finance offers, but ultimately they are just customers and won’t care anymore than you care about the wellbeing of your bank.
I see both sides of this argument but wanted to comment on this…
“They are using it because they can’t get loans elsewhere.”
I would like to think they use the platform because no upfront capital and paying the interest fee for the loan happens on the back side. This frees up the total sum of the loan as instant capital/buying power for the company.