Only if you need to pay of a loan quickly. Otherwise buy Bitcoin.
I think its useful on a long term, the bitcoin will rise in the future so that's a good thing.
I think we just need to wait till the price will go to a high number, just hold your BTC.
You could also borrow btc to repay later if you base your exchange on fiat!
Like: "I borrow 1000$ in btc and will repay 1100$ in 6 months in btc"
if btc go up enough, you'll profit from btc rise by repaying less btc than what you borrowed :3