Saddle with passively morphing interface panels and method of use, wherein passively morphing interface panels morphs in surface profile to be reshaped upon contact with a supporting surface of a horse's dynamic back and of horses of varying sizes and shapes, so that a direct load path is created from the riders concentrated downward weight on a chassis through a pair of symmetrically opposed line of contact edges, aligned with tilted sagittal plane sections through the horse's back surface, and making contact with the midline area of opposed pair of elements made of rigid materials that are caused to tip out of plane until moment forces are balanced, which occurs when the element's entire length makes contact with the supporting horse's back causing the elements interface's surface profile to be reshaped, without directed input, to momentarily match the varying supporting surface profiles of a horse's dynamic back.