Please be informed that every USDN can be redeemed at 1:1 basis on Neutrino Protocol if you have enogh NSBT. The massive account that put USDN as colateral and borrowed our USDT and USDC (and now is proposing to lower the interest rate) is most likely from waves team. They have all the capabilities to redeem USDN as USDT and USDC without loses and close the position on vires.
I like your proposal and I am sure it would finish the problem we actually have on vires. But do you have 1000 vires to create it? Even if you have enough vires, who do you think has most of the vires… the waves team my friend. That is also the reason why the owner of the account did not repay the credit even with a huge interest rate against.