I think I should and would not borrow money to invest in a product that takes a long time to make a profit. I will use my extra money to invest in a planned way. Investing itself is risky. If you also borrow money to invest, your risk multiple will increase.
But if you can stick to your plan, I think I admire you and your courage.
The right decision for you if you really don't have extra income or have heavy bills every month, of course, today will be a long time for bitcoin to peak again, but you can use your extra savings to invest in bitcoin with the DCA strategy is not a thing that makes you trouble or rather a little risk.
But if you have more income and your needs are met so you have some money to manage better, I don't think taking out a loan is not a big deal because basically, you can pay the bill with your income, and you can buy a lot of Bitcoin at the current lowest price.