Taking a loan to invest or trade in crypto is risky. But some people do take a loan and still used it as an investment, I think it is still fine to have loan but we need to loan a small amount only an amount that we can afford to paid specially the interest, in my part I don't prefer to take a loan I only invest a small amount and if I will failed then used another small amount and soon I know I will earn, capital is the most important in trading and investing because we cannot do trade or invest without capital the second is learning because if we don't have enough learning about trading and investing we can surely loss.