well there can be another reason beside Gambling and gaining rep, lets say cloud mining like eobot or exchanging curcerys coz sometimes  Priceses go down by 30-40% and ppl try to buy them in that moment (if they think it will increase soon) and then sell them and make profit from it.. i do same thing thats why i think thats the reason (i dont take loans) but if u dont have money at that moment loan is good way