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.
Undoubtedly one of the best advise one can give to a prospective investor, Borrowing money to invest in Bitcoin i think is not a good idea also, its advisable to invest what you can afford to lose.
For me its an opportunity because I don't think I can join so its a big opportunity that i'm here now,and working with bitcoin on how to promote bitcoin to other people to join also is a big challenge on my capacity.