In the face of on-chain risks, the response plan for ordinary users is actually to establish a multi-layer defense system. Asset layering is fundamental—don't put all your eggs in one basket; diversify your holdings to also diversify risk. Isolated testing of large and small accounts is a detail but an important practice. Before launching a new version or engaging in unfamiliar interactions, try it out with a small account first; this way, the cost of踩坑 can be controlled. Multi-signature wallets are even more critical—they require multiple private keys or multiple addresses to authorize a transfer, so even if one part is attacked, the funds cannot be moved. Essentially, this turns a single point of failure into a manageable local loss, reducing the hacker's profit-to-cost ratio to a level not worth the effort.