Accounts with liabilities are subject to margin requirements, meaning that the total value of their assets should always stay above the total value of their liabilities, otherwise they get liquidated. In theory, Equilibrium's risk and pricing model allows for margin requirement of 0% (collateral value = debt value), but due to block time and price oracle limitations in practice, we risk having untimely market data in the event of abrupt market decline. That's why we limit the critical margin to 5%, allowing 5% wiggle room for possible delays.