Best thing for these people to do is sell their cards before they hit rock bottom prices, then take that money and buy coins. At least they'll have a chance to make money then.
What if they maxed out their credit card?
Well, that was a mistake in the first place.
Sell the cards, pay most of it back and don't get in at the top of the market again.
They fucked up plain and simple.
Bought into the hype at the peak of the pump, did ZERO research then payed 50-100% above msrp for cards. Give it another month and profit will be some slim pickings at which cards will be cheap as hell this is the last stop to sell off excess hardware.
The rest of us straight chilling with well padded crypto accounts, and some of us will swoop in on cheap gpus.