I don't know why I find this story so weird. In as much as I am very much sure that owning 1btc is a good business and you will never regret it, but the huddles that you passed through to own the 1btc doesn't really worth it.
Maybe I am just being me here. If you have a nice source of income, an initial investment of $6k is not bad, I wonder why you acted as if there was gun on your head.
I would not be able to live a debt life for two years in order to make massive profits, especially when it involves investing in a volitile assets. Let's assume your story is real, then assume that btc goes to $10k, what will be your state of health?
I don't know if what the OP did was too bold or a bad move, because owing someone else to invest in something as volatile as bitcoin is definitely not the right move, investing in bitcoin is a good move if we have the funds cold or personal, but by borrowing other people money we will only increase fear when the market goes down like this especially when the debt is due, I agree with you, it's better to invest $6K with the money we have and at least we can sleep no matter what the conditions happend, rather than of having 1 BTC, but we are overwhelmed by fear and trouble due to debt.
Sometimes we see bitcoin as a business or an investment that will end next month. I have made some mistakes when I was a newbie in this crypto market. I have bought unnecessary coins due to FOMO and I lost in all. I have done so many bad investments, but my happiness is that I have learnt my lessons.
I have learnt that another opportunity will still come. Who thought bitcoin would be as cheap as it is today. If I miss the opportunity, another one will come. The simple truth is that no one would be super rich with bitcoin again. If you are not an early adopter, you can only have money to fit your bills but you cannot be super wealthy.