Well, in the bull market, I suggest everyone around me to maximize their investment by borrowing or by taking loan from bank. But it is not a good time to invest in crypto currency now. If you invest now with borrowed money, you will lose more than money. The time will come.
This is a dangerous advice. You shouldn't suggest anyone to invest in anything using borrowed money. That's just against investing 101. No matter what the trend is, invest only with spare money.
Talking about the time, I think the opposite is the better one. Investing during a bull run is pump chasing and it puts yourself in a risk of buying at the top. You don't know whether the bull market will continue. Meanwhile, buying during the bear market is buying "cheap" coins. By ladder buying during the bear trend, you will get significantly lower average buying price, likely close to the bottom, and that translate to huge profit once the market is turning to bullish.
You're totally right most stupid peoples turn there all money into bitcoin or crypto currency all they want profit they thought bitcoin can give it for free. But it wont work like this.