For those of you who are going to HODL until you die, do you at least use your crypto assets for something useful, such as borrowing against it or lending some out with interest?

I've been buying since 2017 and have mostly HODL'ed, cashing out a couple tiny amounts, but putting most of it back. I've been offered the opportunity to borrow against it from my exchange but declined. I looked into lending but heard borrowers can and do default, and figured borrowers who borrow bitcoin likely do so because they get turned down from banks, and so I decided to not risk it. So I mostly just sit on it.

What do you do?