From what I can tell Gulden has not taken on any debt risk which many founders end up doing for marketing, to get listings on exchanges and pay for development.
This was all raised within the Gulden community with the premine and development reward.
The debt free life , no risk taking life is stable but will slow progress , in the event the financial system has a meltdown due to debt defaults and unmitigated leverage, Gulden will be a safe space in the crypto universe.
This is the reason 5% of my crypto folio is in Gulden, the price is stable and moves up slowly with time. Hype is non existent and the team keeps trucking on with development without chasing short term money. It's very Gen X type mentality, boring but hard work ethic from the developers.