And why take a loan in cryptocurrency? I don't understand. It is better to take a loan of $ and buy what you need.
cryptocurrency is now very developed. On btc you can buy products in stores and not only. So loans in cryptocurrency will soon be very relevant.
think about it, btc is now falling, why take a loan in an unstable currency?
so if it will fall, you will give less money than borrowed) generally very useful thing these loans, then you will understand.