I have the following doubth - why would you take a loan paying more money as collateral for it? .

I hear you keep crypto as collateral for availing loan so do you mean that borrower's crypto colateral has to be more than the money he borrows. Don't know why I will put my ETH or BTC for loan that's half the amount of the ETH or BTC I put on collateral, like I will sell my cryptos instead of borrowing, so confused with this logic.

Also Bank the Unbanked is the punch line of Celsius do you know that?

For those not confident with DEFI try Celius, I am using it.