They borrow money to buy assets before bull run
They use borrowed money to make more money.
If u dont learn how to use DEbt to create wealth then u stay poor all ur life.
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.
If anyone start doing this no profit for wall street wealthy guys anymore thats how powerful is investing money what u borrowed.
Trust me, no matter how sweet this sounds but buying assets using borrowed money and investing them in the market as an individual is not only highly stressful but very risky too, As an individual people generally have just a limited number of income streams. Secondly markets are highly speculative, sometimes you will see them booming every coming month while sometimes you will see them touching new bottoms every month, this way it's hard to predict when is the right time to enter, so if you took a loan and entered into the market at wrong time, it's only god who can save you from all sorts of troubles you are going to face. This Rate of Return > Cost of debt theory looks good only in books and corporates, can't say it suits individuals.
Exactly, an individual cannot really pull off something like this, in theory it sounds great but we know of several cases of members of the forum that tried to do this during the 2017 bull run and it did not work at all for them, they heavily indebted themselves and then they had to sell their coins for a low price.
So not only they lost their coins, they were still indebted to the banks and they had nothing to show for those debts they incurred, so while this sounds great in practice once you try to apply this strategy you will realize it is way more difficult to implement than what you first thought.