Bitcoin is no doubt risky investment, but it depends on people, bitcoin is opportunity to some and challenge to some. I think you should not borrow money to buy bitcoin.
Many people in the world are still thinking that investing in Bitcoin is risky investment but i don't think so. For me, Investing in Bitcoin is a opportunity because bitcoin is always profitable for investors who is investing in it. If you check history of bitcoin price you will see that the price of Bitcoin always goes up and the most important thing is patience, many people are failed during investing in bitcoin because they are not enough patience to wait for the price of Bitcoin goes up contemporaneous they are panic sale when Bitcoin goes down.