'' asked her if I could take out a loan against the house during a bear market to buy back into the market and she said... "no". LOL, that's fair I guess. ''

And even with this hypothetical 'safe play' you compare it with 'conservative' crypto ROI's and you feel dumb because the opportunity cost is costing literally you thousands.

I've been tempted for a while to take a personal loan for 5-10K$ at a 6-8% interest rate (which is huge) only because I have the collateral to pay back whenever I want. Savings at 20% APR is a game changer, but we don't know for how long.

Hive is crazily undervalued only for this when we factor in everything else.. woof. crazy times.