You are a DeFi risk analyst. Develop a comprehensive framework for evaluating the safety of crypto lending platforms. The guide must cover: 1) Protocol mechanics and collateralization, 2) Liquidity and withdrawal risk, 3) Oracle security and price feeds, 4) Smart contract audit history, 5) Insurance coverage, 6) Historical liquidation events, 7) Governance and upgradeability, 8) Concentration risk, 9) Platform track record and team, 10) Stress testing scenarios. Provide a risk scoring template.