I want to know if it's much risk to borrow and purchase bitcoin like it is to trade bitcoin.
I would never advice you to borrow to invest in a very volatile market. Yeah a lot of expert might say Bitcoin will break the ATH soon but no one really knows for sure. The price can move against you at any time. How then do you intend to pay back your loan in such situation, considering you will have to pay interest too on the loan.
Cryptocurrency is too volatile so borrowing money to invest in it will only bring complications in a person's life. Saving and investing your own fruits of labor in it would be better. It's really tempting to invest with Bitcoin but if you can't make it that easy, you better work for and strive for it than to rush things out through borrowing.
It's true however before borrowing money to invest in crypto you need to consider it because it's too risky,
better use cold money it's much safer and make wise decisions because otherwise it will add to the problem,
most importantly think carefully before borrowing money for investment