Is this a Lending Protocol Renaissance?

Lending protocols such as Morpho, DYAD, Fluid and Tapioca have recently launched novel designs, raising the question of whether DeFi lending is in a renaissance after years of rehashing the same concepts. Comparisons of CDP protocols like Maker and Liquity with money markets like Aave note that Aave's governance processed over a thousand proposals in four and a half years, about 22 per month. Other sections cover DYAD's NFT-gated, KEROSENE-based collateral approach, Liquity v2's user-set interest rates that determine redemption order, and Tapioca's pairing of a CDP (USDO) with isolated money markets (Singularity).