One of the biggest problems is all of the investors dumped their coins for 4-8X profit, and did no lending.

Another problem is the announcement of the FCC investigating Bitconnect, the witch hunt for bit connect promoters and the owners.. no one has confidence in these systems so no one is lending or promoting.. not like before anyhow.

These are ponzis..

One that looks interesting is bankcoin.io - They have gambling and an exchange to earn profits from, so it becomes less of a ponzi.

Perhaps more systems will do this.