Loaned Time

Seems like you've been saving up a good credit to borrow some extra time for your life!

• Increase your Constitution score by 1, to a maximum of 20.
• When you reach 0 hit points, this feat enables.
• Disadvantage on every skill, attack, save, etc roll.
• Cannot take bonus actions or reactions.
• Movement speed halved.
• You don't need to make death saves, however you only have two minutes to live (20 rounds of combat)
• If hit, you have to make a DC 15 death save roll.
• Every round, AC temporarily decreases by the round passed until reaching 0.*
• Feat disables upon death or saved from the dying state.

*Example AC 20, by round 4 would be AC 16