When the market is declining and assets are crashing down like an elevator, the mindset quickly collapses. Most people either endure stubbornly or cut losses and admit defeat, making life extremely uncomfortable. But some people have long thought of a solution — instead of passively taking hits, why not leverage the situation and turn winter into a window for strategic planning.

For example, if you're very bullish on BNB and are determined never to sell at the bottom of a bear market, life still goes on, and you might not have cash on hand. Coincidentally, you notice certain tokens have hit absolute lows. At this point, the role of collateralized lending protocols becomes apparent. You can lock your BNB as collateral and borrow stablecoins against it.

How does it work specifically? Suppose you have 100 BNB, and the protocol requires over-collateralization. You can borrow 60 stablecoins. These stablecoins are real money, freely usable. As long as you maintain a safe collateral ratio, even large dips won't breach your bottom line, keeping your BNB position safe and secure.

Even better, these borrowed stablecoins have multiple uses. First, for emergency expenses, you don't need to sell your core assets. Second, you can use them as bullets for dollar-cost averaging, buying the dip during market panic. Third, if the lending protocol's yield on deposited coins is high enough, you can deposit the stablecoins back to earn interest, with some or even all of the borrowing costs covered — effectively protecting your main position while earning additional income.

In this way, a bear market is no longer a situation of waiting to die. You can actively adjust your asset structure, build cash flow, and make precise strategic moves amid panic. The key is to always retain control, avoiding being hostage to market volatility. Turning from passive victim to active attacker — this is the true way to weather the winter.