You're right. It is always good to risk your own money than borrowed money. I experienced personally in my life. I had little amount of bitcoin in my wallet, but I took loan to fulfill some home needs considering there'll be growth with bitcoin. My prediction went wrong and now I'm in debt paying interest. If I've sold at the right time I could've avoided debt.
I have a same experience like you. I took money from my close friend to buy bitcoin with 20% interest. But after 1month my btc was down and I had to pay him the money from my own pocket and also the interest. A bad experience. -_-
That is the reason why it is better to earn bitcoin than taking the risk to invest in bitcoin. Price is unpredictable. Invest from your own pocket which you can afford to lose. Loaning is not a good idea but a headache, if you can earn it, work for it.
There indeed other ways instead of taking up some loan and as mentioned we can really make up some work or task which we can potentially earn bitcoin without the need of investing with our own money
but rather just depending on the hardwork that we had done which i do see much more worth to do so but we know that not all does have the free time on dealing with it because some do have their own
day job which means they can just go full time with crypto jobs just because of that hindrance thats why when someone do look up some opportunities here on bitcoin market they do tend to rush out and making
up decisions that they would take a loan because they dont like to miss out the opportunity.It isn't really that bad but as mentioned above that we should be responsible on repaying it out.