And we need to jack up the haircut so it doesn't kick in unless we really need it.
Honestly I think this is the major risk, and I think 50% will be just fine ... but still better 30% then the ridiculous low 10%
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In the end it doesn't really matter because during a mega-bull run the haircut will be triggered by legitimate demand and HBD will break to the upside, and then witnesses will be forced to increase it out of pure necessity.