During the days of market plunge, my mind was all over the place, with FOMO and panic pulling me in different directions. Fortunately, I had proactively set up a "risk buffer structure" on a lending platform using a portion of my funds.

Watching the candlesticks drop, I didn't panic and cut my losses immediately. Instead, I opened my wallet to check my collateral ratio and account health. Because I borrowed stablecoins USD1, the debt side wouldn't fluctuate at all—this is crucial. Although the ETH I used as collateral had decreased in value, I intentionally only collateralized a small portion of my total assets from the start, leaving plenty of safety margin, far from the liquidation line, so I didn't have to worry about being forcibly liquidated.

At that moment, I realized how clever this pre-designed structure was—it’s like a "psychological stabilizer" in the market storm, keeping me always holding a liquidity of stablecoins that I can use.

What’s next? I can cautiously deploy this USD1 into opportunities I believe in, or just wait and see. But the most important thing is, the choice is in my hands. How strong is this sense of control? It’s enough to significantly reduce my anxiety, allowing me to make decisions with my brain rather than emotions. That’s the value of structured finance.