Inflation or no inflation to me taking a loan to buy asset is just another glorified debts. In my very eventful few years of crypto-Currency I have come to understand that it’s very wrong to take a loan to buy any Crypto-currency asset, so inflation aside I believe a loan is a bondage and using it to buy an asset as volatile as crypto-currency is very far foolish, that’s where the start slow and rise steady comes in, Crypto-currency is very much unpredictable and taking loan to enter it can be a bad decision.
It will never be a smart decision if you take loans so you can invest. Though investing is a wise decision, but knowing you borrowed money for that, that makes it very unhealthy for an investor. However, if you have other sources to pay your debt and that they always generate an income, borrowing money may be somehow reasonable. But for a beginner who makes crypto as his first investment, then he should save for its funds first before he decide to take the risk in investing.
It becomes very arrogant when we take out a loan to invest which is not certain when we will profit. Indeed, I also realized that when I saw a good opportunity for me to enter to invest and coincidentally I did not have the capital to invest, at first I thought about taking a loan. But I am very grateful when I can withstand it, because if you think about it, it becomes greed which I think greed is the thing to avoid in investing, especially in this cryptocurrency.