Aave is rushing to set LTV to 0 across USDT, USDC, and major alts because they know exactly what Lazarus would do next: deposit $2B in soon-to-be-frozen stablecoins as collateral, borrow out all clean native ETH and WBTC, and leave the lending pools holding the unfreezable bad debt. Money Legos turning into emergency lockdown mode real quick. "Permissionless finance" until an APT group steals billions and the top lending protocol has to turn off collateralization for half the market via emergency multisig. Setting LTV to zero is smart risk management, but it also proves once again that DeFi only works when everyone behaves.