Through utilising the RubixDao protocol, John can deposit his 1,000,000 TAU into a vault and borrow stablecoins against that collateral to purchase his new hard disk. John gets his hard disk and gets to keep all of his TAU. Pursuant to this, if the TAU prices increase next week, John will still be able to realize those gains. Meanwhile, the stablecoins John took out against his collateral can be paid back at any time.