Working capital current ratio = Current assets / Current liabilities

A working capital ratio greater than 1.0 means the company’s assets are kept ahead of its short-term debts. A working capital ratio somewhere between 1.2 and 2.0 is generally considered good. However, this varies depending on the industry.

Now imagine you want to adopt Bitcoin strategy for your treasury ( like MSTR ) ..

You can collatrize your Bitcoin to meet your working capital requirements .. you will probably never need to use that but auditors will have easy time certifying your business as healthy ..

Btw - this is just one use case .. there may be many more ..but as far as I see , I don't think it is any benefit to individual unless you are ultra rich .. in which case your own balance sheet is like a corporation:-)