OPL-2 Dynamic Max Rate on All Lending Pool

To better balance the supply and demand of lending pools, we propose automatically adjusting the max borrowing rate based on utilization.

If the utilization is over 70% by 10 AM (UTC) daily, the max interest rate will increase by 20%. Or, if utilization is lower than 70%, the max interest rate will decrease by 20% until it goes down to the min value (100%) of the max interest rate.