No, it's not crazy at all. In fact, it's relatively common for currencies to fluctuate in value, and the US Dollar (USD) is no exception. USDJ is a stablecoin, meaning it is designed to maintain a stable value relative to the US Dollar, which is why it is currently trading at 1.119 USDT. This means that if you borrow USDJ, you can expect the value of your loan to remain relatively stable, regardless of what is happening in the market.