Loaning to invest into something unpredictable is the last thing you'll ever do with your money. Meme coin or not, you really screwed up in that part. Even if I was a full time trader or even a whole holder of Bitcoin, the money I used to invest to those won't come from any borrowed money nor loan.
At least you realized where you went wrong. I can't say anything in the "crazy youtubers" part since I never really watched any of them except when I was learning day trading back in the days.

---

Regardless I wish you the best to get back your losses one day.