I think I was wrong to why it was bad and about the reasoning around it. As I think now and it doesn't seem right.

I don't think there is a problem really. We have the haircut rule just because of this. To prevent debt from going too high. Although we did increase it from 10% to 30%.

All the problems we have right now are linked to us not having enough users. Almost everything gets better when we get more users. We have no use case for our tokens and the only use case that we have which is social media and blogging, we don't invest on it.