Wow. A bit nervous, aren't ya?

I said "locks up". Celsius is likely insolvent. Gemini is only at the stage where there are withdrawal issues.

BTC probably has to drop a bit more before Gemini collapses and/or becomes insolvent, but the issues have begun (like Binance). The other crypto-lenders all locked up like this as BTC dropped from $30k to $20k, it looks like Gemini is stronger but its beginning to have withdrawal issues now.

If BTC keeps crashing, other crypto-lenders (including Gemini) will be wrecked. Its just the nature of how those systems work.