I agree, this is the most sophisticated financial system I've seen implemented natively in a blockchain. I've sat through an explanation of MakerDAO on ethereum and at the end the guys were very proud ... until I've told everybody in the audience that what makerDAO strives to do on Ethereum is already, out of the box, impemented by Steem, with 0 transaction fees and no need to wait and pray that the clogged Ethereum network validates your transaction ....