Borrowing money and buying a speculative asset involves an insane amount of risk which could also turn your life into hell if things don't go as expected. Just imagine, what would have happened if BTC slipped just 10% after you bought your very first BTC at $29k through borrowed money check? You would panic and sell it low, then it goes high and you buy it again, this time with less USDT and you are left with less BTC now. You repeat this till you lose some significant part of your investment.