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.
For me its both, but it depends on how you will take this forum. Bitcoin is opportunity for me in terms of having an extra way to gain our own profit, a way which is totally different to the tradition, in which you have several academic attainments for you to be qualified in a certain field you want to work on to have profit, Bitcoin is an opportunity for the young person like me to gain profit at their young age and I think thats very rare to find for us for a way to earn on our own. Bitcoin becomes a challenge when continuous drop of the price occurs, of course you will tend to become dormant , for an instance, you tend to become inactive because you lose the courage to work for more when you are actually eaten by your own speculations that Bitcoin will end up soon and the main sigm was dump of the price.