I agree that it is a complicated subject, but you did a good job of breaking it down and explaining it in a way that is easy to understand. The MakerDAO ecosystem needs MKR to work as a governance token and a safety net to make sure that DAI stays stable. Using collateral to back DAI also adds an extra layer of security and decentralisation, but as you said, it is not completely free of third-party risk. It's also important to think about the problems that can come up when trying to keep DAI stable, like market volatility and bad governance. To make sure the ecosystem works well in the long run, these risks must be carefully managed.