U never use loaned funds just to buy things for u if u dont have ur own money enough.
First rule you use loaned money to make money.
Stocks and crypto u borrow always before bull run and sell ur assets even the real estate when markets are booming u pay back the loan u wait the market drops u repeat the process.
Even you sound like perfect, in many cultures going for loan is still not encouraged. Business wise going for loan must be a common thing but when you do not have definite opportunity then risking with a loan may not be a preferred one in my opinion as well regardless of whatever practices are being followed in my country.
People who are able to manipulate the market might be going for loans because they control everything and they must be confident about good returns out of loaned money which is the reason they are continuously making money and people who are not preferring to manipulate may stay poor like before forever.