is it fair to think of aave v4 hub+spoke model as essentially one big vault with one big risk manager?
whereas euler/morpho have any number of vaults each with its own manager?
and if there's a poor risk management decision in aave v4, the entire liquidity pool is at risk?
take the stream finance issue
if aave v4 allowed xassets as collateral, then wouldn't all lenders across all spokes have exposure to the bad debt?
theoretically
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