The blockchain has been a bit congested these days. Even small transfers have to queue in the mempool for half a day... Basically, the moment you click confirm, your transaction is first hanging out in the "waiting room," and miners/ordering nodes prioritize picking up transactions with higher fees. If your bid isn't high enough, you just stay in line, and during that time, someone else might cut in front of you, or even you might overwrite a previous transaction later on (that nonce system is really annoying). Layer 2 is still arguing over TPS, fees, and subsidies over which is stronger, but my feeling is: when it gets congested, users only remember "why is it stuck again." I'm most afraid not of losing money, but of needing to adjust my position at a critical moment, only to get stuck on the way and have to wait... So now I prefer to keep some balance in advance, not to cram all operations into one busy wave, even if it’s slower, I feel more at ease.