I think the point people should take home is that if you're going to do it, don't assume 50% LTV is good enough. You better be prepared to lose the sats or go a lot higher on the collateral. And you could lose it all anyway. Risk management is key, and I don't think most people should do it. Especially if you have provable fiat income and the loan is for something like a car or house. Just let those things be the collateral in that case.