If you have enough of something that's going up forever, Laura, the total amount borrowed will get ***smaller*** as a proportion of the total assets. In fact the total amount of bitcoin posted as collateral can go down over time if you are at this critical mass. If anything goes south, you can only lose up to this amount of the asset, and if not, you still at any time in the future have the option to discharge the debt by selling some of the asset and just go debt-free, though this would have to be for a good reason, such as changing jurisdictions, transferring the asset to an heir or anyone of your choosing, going under the radar, refinancing, or a change in living circumstances or emergency need for the asset.