How about you never lend more 10% of your stack ?
Discussion
What is the min collateral requirement? Are you saying don't give up custody for more than 10% of your stack or borrow a fiat amount equal to 10% of your stack.
In the first instance you might only borrow 4% vs giving up custody of 10% keeping the 6% as collateral against liquidation.
In the second instance you borrow 10% and give up custody of 25% using the 15% as collateral.
Both cases if the price drops 60% the Bitcoin you gave up custody of gets liquidated and used to pay back the loan.