Is anybody ever concerned about freebitcoins liquidity and financial situation in a bear market?

I want to preface this by saying I've used freebitcoin for YEARS and never, ever had a problem with them. I've made a substantial amount from referrals and a very nice amount from interest.

However, given the events that are currently unfolding at Celsius (withdrawals paused, insolvency, possibly bankruptcy), does anybody ever wonder how a severe bear market will affect freebitcoins financial situation?

Although unlikely, we might see Bitcoin drop below 10k in the coming months, how would this effect freebitcoins ability to pay it's user. In my head, I think their situation is different, but they also offer 4.08% interest on users balance, not a huge number but certainly not the miserable 1% a commercial bank would give you.