only if Prices are rising its risky

If the debt ratio is rising it's risky. Unless our higher demand for debt is sustainable. For example if the ratio is going up simply because we are offering 20%, that's bad. But if it's going up because someone built a successful business on Hive, that's fine. These things can't be run by an algorithm. They require a lot more analysis than plugging some numbers on a screen into an equation.