Recently, many financial content pieces have been fueling anxiety: "By 2026, the US fiscal situation will collapse, and we can only wait to die." To be honest, I really do not agree with this kind of rhetoric. Crises are never the problem; the real issue is whether you have the mindset to respond.

Let's clarify the situation in 2026. Back then, the US relied on extremely low borrowing costs (interest rates of 0-2.5%) to borrow money recklessly. Now, this debt is maturing one after another, and they need to refinance at higher interest rates (above 4%). Just in 2026, they will need to repay $4.1 trillion, and in the coming years, the total repayment will reach between $7 trillion and $12 trillion. To put it another way, they previously borrowed at bargain prices, but now they have to refinance at premium rates. How will this pressure transmit? It will mainly lead to dollar depreciation, global liquidity tightening, and then affect every ordinary person—your salary, savings, and investment returns will all be diluted.

So what should ordinary people do? I think the first step is to break the mindset of "putting all eggs in one basket." Many people keep all their money in banks, thinking this is the safest. But under fiscal pressure, relying on a single channel for assets actually carries the greatest risk. At this point, it’s necessary to consider decentralized hedging strategies—allowing assets to cross geographical and institutional boundaries, and balancing allocations across different types of assets.

This is not about advocating aggressive investing, but about leaving yourself options through different asset forms. In the crypto space, this is no longer a new concept, but for ordinary people, shifting from purely fiat assets to diversified allocations is itself an effective risk hedge.