I am not sure if everyone. Sometimes, some people are experiencing big problems with loans for investing in Bitcoin or crypto. The risk is much higher because we must pay the debt and maybe along with the interest. Not only that, not everyone is ready for Bitcoin investment. Sometimes, their expectations are very high but they are not ready for the risks, so they are prone to panic attacks, especially in a bearish era like this. And finally they experience losses and difficulties in paying these debts. In this case, it would be better if we use our own money to invest to reduce various risks. But again, this may be a matter of personal preference and ability. But especially for newbies, I really don't recommend going into debt to invest in crypto.