i'd describe it as. imagine bitcoin as you piggy bank, you have it for when things go bad. so long as you have more than you need you're okey. Before we had to pay people more times per year. Even when they wanted and not when we wanted. that was rough, so we don't do that anymore. now we pay them when we want, as much as we want to pay and if they don't like it, they just give the debt to someone else. So we are not forced to pay them back. plus we survived the 80% drop, so we strong even stronger as we learned from that time