Lending and borrowing, my current principle is one: when the liquidation line is three steps away, don’t think about “holding on a little longer.” First, pull your position out of the dream: either add some collateral or repay a part first, to improve your health factor a little—anyway, don’t leave your life to volatility.

I usually turn off automated systems / check permissions once, to avoid panicking and having to make changes on the fly. Then I look at the blockchain: last time I saw the health factor drop to 1.18 on Aave, I quickly transferred 0.3 ETH from my cold wallet (testing with a small amount first), confirmed the transfer, then added a second amount—my heartbeat was almost as fast as the gas fee...

Recently, Layer 2 is again arguing about TPS, fees, and subsidies—basically, it doesn’t matter much to a lending enthusiast like me. When it’s close to the red line, you only care about “whether this operation can be safely recorded on-chain.” So I prefer to go slow and pay more, as long as the path is clear: address correct, signatures clear, don’t randomly click links in emergencies. That’s it for now; staying alive is the most important.