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The Index - Financial Stress Question

Question/Request

Yesterday I was playing index w/ Rhino and had 55% efficiency on my build. I had 2 stack financial stress and my energy would almost completely drain away in a matter of seconds. To cast one iron skin I would have to race to gather three energy orbs on top of energizing dash being on. Next game I switched back to 100% efficiency and was able to do the same iron skin cast with energizing dash alone (same financial stress). FYI all of this took place in second round on high risk.

This leads to my question, does energy drain from financial stress scale off your frames efficiency?? I feel like I am wrong about this, but I've never seen my energy drain that fast on Index.

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There is a bug where you cash in, you lose all finacial stress even though it still shows in the hud. Might be the answer.

The more points you hold, the faster your energy drains.

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For now, I'm attributing this phenomenon to the bug mentioned here: https://forums.warframe.com/topic/953065-index-energy-drain-not-resetting-after-banking-points/.

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You lose energy over time with financial Stress.

As well as Life points straight away cutted out of you.

Just bring heavy STR Rhino so you get a long lasting armor. Or Ash with 3 Augment and a lot of duration with a knife with Covert letality. Just 2 to invis, 3 to kill everything that doesnt fly or its a Bursa, and gg.

Edited

Are you sure you only had 2 financial stress? Don't you get more financial stress the more points you're carrying?

Edit: read the other comments, nvm.

You'd be better off modifying for energy max and saving up energy before gathering points.

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