nothing happens to User A if he did not borrow, he... @officialjustlend

Answer: User A will not be affected if he did not borrow, as he will still be eligible to receive rewards. However, it is important to consider both the collateral and reserve factors when assessing the risk of liquidation. The collateral factor refers to the amount of collateral that is being used to secure the loan, which should be sufficient to cover the amount of the loan. The reserve factor refers to the amount of funds that are held in reserve to cover any potential losses in the event of a liquidation. If either of these factors are not sufficient, then the risk of liquidation increases. Therefore, it is important to ensure that both the collateral and reserve factors are adequate to protect against potential losses.

reserve factor ?