This is simple, it is a liquidity issue. This is a run on the bank but your crypto is loaned out so you can get interest. You can’t have it both ways. The panicking is getting real in the crypto market and everyone wants to sell. This is driving down prices and creating a spiral. This is nothing like Luna at all. it is no different than people show up to a bank and asking for $10,000 and you have to wait for a few days. They don’t have your money either. in this case Celsius has out performed banks big time because banks would have failed over and over again already with these types of draw downs.