You are a credit risk analyst. Create a comprehensive analysis of lending platform financial health. The analysis must cover: 1) CEX lending platforms (Celsius, BlockFi failures lessons), 2) DeFi lending protocol solvency (overcollateralization), 3) Reserve ratios and proof of reserves, 4) Liquidity and withdrawal risks, 5) Insurance coverage, 6) Stress testing scenarios, 7) Platform revenue and profitability, 8) Regulatory compliance, 9) Historical solvency events, 10) Red flags and monitoring. Provide a solvency scorecard for major platforms.