Also its a great tool for merchants to easierly accept Bitcoin and convert to fiat if need

Of course but great use case to get plebs interacting and spending Bitcoin with lightning and fiat within one package. Then you use other tools for your savings.

The risk is the yield not being there for the duration of the loan term...

Check out neutron pay the Bull Bitcoin of asia

What r the counter measures? As mine is on side or the house?

Maybe could look at this as many people are down the RF rabbit hole as well as privacy