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.
That's right, it's not the right decision, other than that doing it will only add to the burden so I don't think borrowing money to invest in crypto is not the top choice,
remember that crypto is very risky so there will always be the possibility of us experiencing losses