[Proposal] only charge Protocol fee on minted amount

Currently, when you want to close a position, the protocol fee is 1.5% on your full collateral.

This means when you mint $100 of mAAPL at a 200% collateral ratio, you’ll pay half the fees that someone who mints $100 mAAPL at a 400% collateral ratio.

This disincentivizes overcollateralization, as it gets linearly more expensive to do so. In my mind, that’s backwards and the system should instead encourage overcollateralization.

To make it neutral at least, i propose to only charge the 1.5% protocol fee on the amount of minted stock.