This is not a novel problem - the same situation occurs in "pre-crypto finance" with other non-stable assets like stock and currency risk; that's why we do have

This is not a novel problem - the same situation occurs in "pre-crypto finance" with other non-stable assets like stock and currency risk; that's why we do have all kinds of frameworks on how to properly account for required reserves with the assumption that $1 B (current!) worth of such assets is not enough to cover $1B of cash liabilities.