I would not advise anyone and I never borrowed a cryptocurrency because it is very risky and because the cryptocurrency is rather unstable and its best to avoid such moments.
but in my opinion sometimes we need to do that because sometimes we have to take risks if we want to succeed.
For example, in our environment, there are many successful entrepreneurs even though they start their business with loan money.
Having loans using crypto has no assurance to sustain because it's more volatile compared to btc. Altcoin has no stable and regular active community, because it was dependent to the top coins exchange like btc and ethereum. These two coins has a good performance with respect to market capacity, that's why if I prefer borrowing I should choose physical money so I could by btc or eth directly.