Yup, it's best not to borrow for highly volatile investments like Crypto. it's good if predictions and analysis are in accordance with market conditions, when it wrong, what happens? The borrower will experience 2x losses, capital loss and a loss because interest is not deducted. Actually, I am a borrower, and this is bad. When we borrow money that requires interest, this can add to the interest itself which can trap us. Avoid as much as possible, because this will be very complicated. I can say this, because i have an experience with similar conditions.
Whatever the investment if we use our own funds it will be calmer. Even though I think indeed everyone's thinking is different. They are free to choose but they must take responsibility for their choices. I agree with you, I think using the funds you have does not need to be in debt. Make the most of what we have, because I believe big starts small. We must be able to make the most of it. I think it's the best option. But in reality there are also those who owe debts. Some succeed, some fail. So just adjust our abilities and be prepared to bear the risks.