Thank you for everything and I really appreciate you took your time to respond to my questions. I understand you very well, I know what you are talking about because my mentality was always such that I like to spend much less than I earn. That's how I came across Bitcoin. I found the best asset to save the hard earned income. To be honest, fortunately I fulfilled my basic needs (shelter, food, etc) long time ago. I do feel my self rich in all terms. However, now I would like to help on others and give back. I would like to help on my family and friends. That's how this service took my attention. According to them it is in a multi signature wallet and you use your btc as collateral to get a loan in fiat with 6-8% interest. Therefore, you do not need to sell your btc. I know there is a third party risk. On the other hand I can just buy with btc the things that my family & friends needs. I was trying to minimalize the number of sats that I need to spend. Although, perhaps just the greed is speaking from me and I shouldn't worry about the drop in my btc balance.