i have altcoins(ETH one of them) in Nexo(i took a loan against it)will Nexo remain reliable in these bad times(may 2022)?

My prediction is that nexo will cut rates for people lending their crypto considering howbbad the market looks now. I guess though for the ones like us (took loans) they could raise our loan interest rate. My concern is: you guys think that if ETH and BTC keep going down could nexo somehow be in trouble and risk going bankrupt or sthg like that (amd taking my altcoins with them)? I was gonna deposit more crypto in nexo(to increase my loan) but now im considering trying to pay off my loan and leave nexo. I dont know if nexo needs a bull market to make money if that's the case i guess is safer to withdraw my crypto from nexo asap. Btw the main reason i disnt try to get a loan through DEFI was that i dont fully understand the main concepts and i needed a quick way to borrow money to pay debt. I know through DEFI i wouldn't need to worry about losing my coins (contrary to nexo going bankrupt and taking my coins with them) cuz i always have custody. Thanx for your future input people and SCAMMERS DONT BOTHER Dm'ing ME I WONT EVEN READ YOUR MESSAGES.