I do agree that loaning money to invest solely on crypto is not a great idea. Loans need to be paid on the contract signed. When you invest in crypto, you won't have that assurance that you'll accumulate enough to repay the loan itself.
Crypto may be profitable but unless you take more risk to accumulate more, you would have to wait for the long run by just holding.
Right. I won't suggest to anyone to take loans for crypto investment as its a very bad decision that you will surely regret in the long run. Remember that the crypto market is very much volatile and even unpredictable so you can't guarantee yourself that you will be profitable after investing. Better invest with your own extra money that you are willing to lose than to borrow money to invest because once you cannot make profits in your target time, then that will make you miserable looking where to pay the loan amount. If that happens, you will be force to sell your coins in a low price and end up losing all your money, time and efforts.