This is not a universal advice as we differ social status in life and we have various priorities as well. It is not really advisable to loan or take credit to use it for investment because the general rule in investing is invest what you can only afford to lose. You should only use your spare money to invest in something that you think will potentially earn in either passive or aggressive manner. Because there is always a risk present in investing. And if ever your investment undergo chaos or suddenly crash, you will not have a hard time moving on with the spare money that you've lost. Compared in losing the money you just owe from the banks or from your close friends by planning to invest. That would hurt big time most especially if you didn't manage to have your investment money returned yet.

I think advice could work on those who have high risk tolerance. For those who don't, I discourage you from taking this as this could cause anxiety and stress to you during the days that the capital hasn't gained back yet. There are many general rules here in cryptocurrency. If ever you find one that is suitable for you, then go live by it. After all, to each his own. We still have different perspectives and strategies on how we want to achieve the things the we are craving for.