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But if I lose all of them, Im screwed

It's a relatively early card, but it's a card that has been active for a long time and continues to maintain its presence

Shortly after Henzies launch, the rules were updated to specify that Effects from static abilities that give a permanent spell on the stack an ability that allows it to be cast for an alternative cost continue to apply to the permanent that spell becomes or, more simply, the resulting permanent from the spell has blitz

The service might not be appealing if users are constantly being liquidated, or having their loans forcibly closed due to a fall in their collaterals value