You correctly noticed this, that is, when the price falls, the user will not remain in the red, he will be able to compensate for the difference using the received coins. As they say, if you are not in the red, then you have not lost!
Leasing program is a long term program for 3, 6 or 12 month. Hope during this time the market will recovery.
I see the statistics and a lot of participants of leasing program prefer to lease tokens for12 month. Hope in one year the cryptocurrency market will recovery and will start to grow.