I guess getting a loan is the best solution for a troubled man. Well people who started out with nothing will always ask for loans for there businesses as loans are not that bad and you have the option on how you will pay it, assuming that you have a good credit you will have a nice loan that a bank will offer. And also you must always setup an emergency fund good for 6 months without job as it is a way to avoid unnecessary expenses. The emergency fund must be worth equal to 6 months of your living salary.
If you have the bitcoin, you can use the bitcoin as a collateral and then borrow some fiat. It is better than to sell the bitcoin.
I don't think banks accepts Bitcoin as collateral. When you are in desperate need in money you can make use of your personal property as collateral it should give you a higher loan since you are giving. And I don't think you can loan a big amount of BTC online as their are many frauds out there, and people are scared that there BTC won't be given back.