You have posted this topic many times in different section of the forum why?
2. PLEASE DON'T EVER BORROW MONEY
Rich people actually borrow money to invest. Different perspectives I guess especially if they can ride the pumps but that's a different story particularly to those who buy on margin. If you are not rich and are not capable of learning futures I guess its best to just earn money to invest at least you have no liability.
I guess the rich people actually put something as collateral or mortgage, for which they get the borrowed money to invest.
But as OP said, it's always better to invest from your own money.
Also OP I would like to add another detail to the Original post. People should not over trade, that is they should trade in limit.
Don't become greedy and trade/invest in high risk assets.
And always remember that it's better to have less money then no money. So wisely choose the coin to invest and don't panic if there is red in the coin for sometime.
Wishing all the traders to make huge money in this bearish season.