...borrowing money to invest in crypto is very risky, because the price of crypto is very volatile. If after we borrow money and buy crypto, then the price of crypto increases, then we can return our loan money. But on the contrary, if the price of crypto is down then our loan maturity has arrived, of course we have to sell the existing crypto to return the loan.
In this condition we will lose.
I think investing in crypto is with capital that is able to lose.
It's just like how it works in gambling or investing in ICOs based tokens, you don't have to play with more than you can afford to lose. Personally, i don't suggest users to borrow for those fields, as the risk is getting higher by the crazy volatility in price even if it goes higher for a certain period.
Seriously, i find it stupid to risk of getting a loan in order to risk twice in an unconfirmed investment .
If investing in ICO and IEO is very risky compared to us trading. Trading we can monitor the price of coins by themselves. If indeed the market is deteriorating, we only hold stable coins. While ICO and IEO investment the price of coins is still in the planning. Not necessarily after listing the price of a coin will be the same when we invest. Borrowing money for investment is indeed a bad thing, because we may not necessarily have benefited when the loan bills are due.