Insurance fund implementation #84
Description
PR : #75
Context
The insuranceRate is only used as a fixed discount applied to lender returns in updateInterestRates (by reducing debitIncome). There is no associated insurance fund, pool, reserve, or accounting logic. This means the parameter only lowers credit yield without funding any actual insurance mechanism.
The insuranceRate should be discounted from the lenders returns and be swapped from the underlying asset into MOET and the MOET will remain inside of the system acting as the actual insurance fund for the protocol that consistently increases overtime. Whenever there is a shortfall in an asset the MOET can be sold at that moment to cure any bad debt.