I thing on bear market It's better to invest your time and attention rather the money.
Amulet protocol gives you this awesome opportunities!

Amulet Protocol is a decentralized insurance protocol created for the Rust-based ecosystem on the Solana blockchain. Amulet has developed an innovative and open insurance model that not only effectively solves the common problems of existing decentralized insurance protocols, but also creates a new paradigm shift for the entire insurance sector.

Amulet is creating the industry's first protocol-driven underwriting (PCU) approach, in which Amulet will create its own underwriting capabilities and present a requirements framework that includes a unique method of demand with Profitability Assurance (YBC). This is a significant departure from existing insurance models, which consist of leasing underwriting opportunities from capital providers, in favor of a more stable underwriting and claims structure controlled by the protocol. Amulet's vision is to offer simple and reliable insurance for everyone in Web3. With the addition of Amulet, users of the entire Rust-based ecosystem will have access to a new way to hedge various risks with the help of insurance product offerings.

The Amulet management token ($AMT) will allow its user base to propose and vote for community proposals. These include, but are not limited to, future distributions of rewards, the legality of claims, target capital requirements, a list of new products, redemption thresholds, and a change in the future objectives of the protocol.

So now you can participate in their community program  to have a lot of perks and benefits in ido

You can lern more about it here:
amunation .amulet. org