Borrowing and lending, the thing I fear most now isn't being liquidated in one shot, but the "three steps away from the red line" and still holding on. Frankly, when I see the health score start to turn yellow (don't get hung up on the exact number), I usually do three small actions first: lower my position a little so I can sleep peacefully; then organize the collateral/borrowed tokens to avoid a bunch of small positions scattered and ending up in chaos; finally, prepare the funds for margin calls and transfer routes in advance, because when the network is congested, it's almost too late to find an entry point at the last minute.

A life analogy is like running low on gas while driving: instead of waiting for the engine to stall and pushing, when the fuel gauge hits two bars, find a gas station, and open navigation and payment options in advance, so you don't arrive at the door and find no internet... Liquidation is similar; on-chain "queuing + slippage" means the more last-minute, the more expensive it gets.

Also, the recent NFT royalty dispute is quite similar: everyone wants "to pay a little less on my side," but when liquidity tightens, the first to be squeezed out are those holding leverage. My own principle is just one sentence: the closer to the red line, the less you should gamble on market sentiment; focus on surviving first, then worry about everything else.