I believe that traders who have no trading experience for more than 10 years should not use credit money to buy assets. I had a very sad experience in 2018. 
That's the worst decision to be done by unexperienced traders. In fact when you were using the loan to buy assets and it's just like putting your life into your project. There was a huge chance for such a project to be a failed project. Its hard to accept but many newly learn in crypto trading do that and They think they can easily earn money with trading , like what their friends are earning. And wortse part is they became in depth and don't know how to paid those depth that lost in trading because of wrong decision in life.
Its ok to trade as long as you own the money you will use and not borrowed from friend because the risk you may experience in trading is very high and you may lost even you capital if you make a wrong choice .