The process of determining which 'instrument' to invest on requires tons of patience, knowledge, and research in order to minimize the risks of losing your money in the process.
Remember that as investors, you must determine whether you aim for short or long-term investments. If you choose the former, it necessarily follows that you have to keep track of the market on a daily basis to earn income. But if you chose the latter, you may somehow rest easy and HODL for long-term which inevitably garners profit on your end (this is primarily basing the price history index of BTC).
People who dare to go into debt should have a visionary perspective, what is the impact if we owe debt, whether we make debt as leverage or just as a burden to meet basic needs that are even difficult to repay. In fact, if it is used as leverage, the positive impact is very high because, as in agency theory, debt can overcome the conflict of interest if it is placed in the company but in individuals it can increase the productivity of investment working capital.