Incorporate iBTC premium into threshold calculations

[CaronSch]

iBTC is trading at a premium. This is not considered in the collateralization analysis. Instead, it assumes that iBTC trades at par with wrapped BTC or BTC. This PR adds that functionality

[gitguardian]

⚠️ GitGuardian has uncovered 1 secret following the scan of your pull request.

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🔎 Detected hardcoded secret in your pull request

GitGuardian id	GitGuardian status	Secret	Commit	Filename
-	-	Generic High Entropy Secret	10049fe	main.py	View secret

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^{🦉 GitGuardian detects secrets in your source code to help developers and security teams secure the modern development process. You are seeing this because you or someone else with access to this repository has authorized GitGuardian to scan your pull request.}