Debt ceiling is not just a numerical limit; it is the lifeboat for the entire system.

Recalling the incident during Helio's period when Ankr's vulnerability caused a stir, you can understand why setting a cap for each collateral type is necessary. The problem is simple: if an LST or a specific collateral experiences an infinite minting bug or a direct price collapse, the liquidity pool of the entire lending protocol risks being drained.

Lista's approach is to impose strict limits on each collateral type. This may seem conservative, but essentially it bets on one thing—there will inevitably be bugs in the code. Rather than trusting the code to be flawless, it's better to preemptively install brakes for the worst-case scenario. This design sacrifices some capital efficiency but gains the following: even if one collateral encounters issues, it only causes localized damage, and the entire system remains alive.

For designers, this is trading local rigidity for global survivability—a necessary trade-off. In the DeFi space, which must constantly adapt to new risks, this approach is actually the most pragmatic.