Fine-tuning-as-a-Service (FaaS) enables personalization of large language models (LLMs), but it can weaken safety-alignment under harmful fine-tuning attacks. Recent work has shown that activating harmful-behavior modules during fine-tuning can prevent models from learning undesired behaviors, but its mechanism remains unclear. In this paper, we revisit temporary jailbreaking as a defense against harmful fine-tuning and provide a gradient-level analysis showing that it saturates safety-degrading gradients while preserving benign task-relevant gradients. Based on this insight, we propose a Buffer-and-Reinforce fine-tuning framework that buffers harmful updates during user fine-tuning and reinforces safety after adaptation. Specifically, BufferLoRA induces temporary jailbreaking as a removable adapter to reduce harmful updates during user fine-tuning. After adaptation, ReinforceLoRA, trained to recover refusal behavior under the temporarily jailbroken state, is integrated with UserLoRA via QR decomposition-based merging to reinforce safety while preserving user-task performance. Extensive experiments show that our framework achieves superior safety and utility with no additional safety data during user fine-tuning and minimal computational cost.