The volatility margin in cryptocurrencies during new ATH season has become large as Bitcoin can rise10k USD in less than a month.
AFAIK, Celsius Network make profits by lending coins to funds, exchanges, and other loans with 9% interest.
I don’t know, but it is stupid to borrow from an institution based on profiting from making loans to other parties.

Realizing profits is when price low, so the current time is the worst for getting a loan.