It is true that lending markets are very reliant on the oracles, but there are a lot of ways in which lending markets can safeguard users and the protocol itself. On @0xfluid, we probably have the most robust oracle framework. Every vault has its own set of oracles, which can include ChainLink oracles, Univ3 TWAP oracle, contract backing, rate limits on the collateral side and debt sides, etc, etc. In addition, liquidations and borrowings in the vault also use different oracles. When a user is borrowing, the protocol will utilize the lowest possible pricing for the asset. For example, a 30-minute lowest moving average price for user interaction, while simultaneously using the most recent trusted market price (or contract backing) for liquidations to avoid liquidating users early and for the protocol to avoid taking any extra risk.