The latest Federal Reserve survey hit many people's core: 37% of American adults can't even come up with $400 in an emergency. This is not just a statistical number, but a reflection of real financial fragility.

Even more heartbreaking, according to cross-analysis of law enforcement and financial data, Washington State's financial danger line is marked at 38%—an almost identical proportion. This is not a coincidence, but a clear signal of systemic risk. A sudden medical expense or an unexpected layoff is enough to push these people into the abyss.

There are actually three main ways traditional finance creates fragility:

**Inflation Hidden Tax**—Your savings sit in the bank, but their purchasing power is being eroded. Fiat currency depreciates, and cash naturally becomes the loser.

**Yield Plundered**—Banks offer almost zero interest accounts, which can't protect your savings growth at all.

**Liquidity Failure**—Assets like real estate and retirement accounts, when urgently needed, are either hard to sell or result in heavy losses. Systemic design makes your money unable to appreciate or be flexibly accessed.

And this is exactly why more and more people are turning to on-chain financial systems. Decentralized protocols are building new possibilities—transparent yield mechanisms, true asset control, 24/7 liquidity. Your assets, truly back in your hands. This is not just a technological innovation, but a defensive counterattack against traditional financial systems.