Recently, a term has gone viral online - "American Kill Line". It sounds like a game, but it actually describes a very real dilemma: an unexpected Transaction History, a hospital stay due to illness, or sudden unemployment can directly plunge you from the middle class into the abyss. From homelessness to bankruptcy and then to being unable to find a job, the entire process might only take a few months.

Ironically, this isn’t just a poor person's issue. An annual salary of $80,000 looks good, right? But then car insurance goes up, medical bills come in, and you might turn around to find you have nothing left. The data is even more heartbreaking: nearly 40% of Americans can’t come up with $400 in emergency funds, and half of the population’s wealth combined accounts for only 2% of the total wealth in the U.S.

What do these numbers reflect behind them? Systemic fragility. A deeper warning is: when the traditional system itself has such "kill lines", how can individuals establish a real financial defense for themselves?

The problem has now extended to the digital asset realm. While worrying about the bill crisis in reality, one simultaneously invests all their money into highly volatile and high-risk cryptocurrencies—how is this not pushing oneself towards another kind of invisible cliff?

More and more people are starting to look towards decentralized financial tools that emphasize transparency, stability, and self-control. Stablecoins are an example, especially those that operate on-chain with over-collateralization.

The logic of this type of mechanism is straightforward: your assets are anchored to real US dollars, with real-time on-chain audits to ensure this ratio, so you don't have to rely on the promises of banks or the credit of a centralized institution; ownership is entirely in your own hands. In an era filled with uncertainty, this transparency and autonomous control approach is worth more people understanding.