Always look for something which you could able to pay if due date comes and this is where most people do fail to do so because they arent thinking ahead on what they should gonna do but instead they do take up some loan even though the interest is high because they are expecting ahead that they could make profits out of their investment and talking about crypto that you cant really tell if the market would be good or bad
on next seconds or minutes which would possibly result neither on profits or total loss which would highly affect your situation whether you can repay or not.
I think it's just a burden if you loan money then try to invest it to get the profit yet the loaner didn't actually realize that with the interest itself is already a problem and not to mention the higher volatility rate of the market of they planned to invest it on bitcoin. One should have a visionary perspective if they want to loan and had a most perfect plan that already has a backup plan if plan A failed.
However, Op is just a shiller to a project which most of us won't bother to invest but he's just basically shilling despite of the reviews I've read about of Metaverse.