During the long holiday for the New Year, I reflected a lot. Lowering material desires and expectations are the conditions for surviving in a bear market. It's not just in the crypto world; the real economy is the same. During the New Year, I heard a bunch of gossip. Whether it's old Deng or young people, the debt-to-income ratio is 90%. Bankruptcy blacklists are everywhere, and bank loan withdrawals are the main issue. The vicious cycle leads to taking out online loans, high-interest collateral loans, and private lending. Everyone is out of money.