If your estimated gain is more than the lender's interest rate, you can say it is a very useful situtaion to borrow bitcoins.
But then borrowing bitcoins or borrowing money from bank is no different than each other, while except this forum is full with scammers, banks are usually safe.
Tldr; I wouldn't borrow or lend any btc's in this forum. Too risky.
I'd say the same. Unfortunately, it is very rare such a situation comes up due to the insane interest rate. If it wasn't for something real special where I was prepared tp lose money, I'd go to a fiat bank instead and buy BTC.
There are allot of moments when you need to buy your bitcoins and that is offcourse on the best moment when the price if that low. But i dont think allot
of peopel are searching for that moment and me neighter because you just need to know when to invest into it and not just waiting for the most commend moment.