If you are borrowing money and paying interest would you prefer an interest rate that compounds annually quarterly or daily

Interest rate because if you do daily yes you will have more money at the time but I interest will add up over time and you will double the amount then a daily

As the borrower, you would prefer an interest rate does not compound, because this minimizes interest earned; ie: a simple interest rate.

As a lender, among the three options presented, you would prefer an interest rate that compounds daily because this maximizes interest earned.