Have you ever thought about it—what if one day your mind becomes unclear and you can't even remember your private key? Would your funds be completely lost? This sounds a bit scary, but it is indeed a real issue. Everyone is focused on defending against hackers, but no one really considers protecting their own mind. As you get older, your memory worsens, or suddenly an accident happens and your brain can't function properly—those complex mnemonic phrases become like a foreign language to you. Managing your crypto assets yourself is free, but it also raises concerns.

I thought of a solution—establishing an "emergency release mechanism" through DeFi lending protocols. Simply put, maintaining a long-term collateralized loan state. If one day I truly can't operate my cold wallet or forget the private key, at least my family or a backup wallet can access the borrowed stablecoins. This money is very convenient—no complicated signatures, no hardware wallet needed, just normal accessible cash. The collateral might be liquidated, but the stablecoins have already "escaped" and become emergency funds that can be directly used. Lending protocols act as a buffer, preventing total loss due to forgetting the private key.

It sounds pessimistic, but having this backup plan is still very necessary.