I'd ask yourself if you are considering taking a loan out because you are infatuated by the prospects of bitcoin rising in value over some short period of time that outpaces the interest accruing on your loan, or if you are taking a loan out because it is an essential component to whatever endeavor you're working on, or if this is for an immediate need.
Any loan and for any matter always has rules that must be understood from the start or before taking a loan by everyone, and the only thing that has the most logical reason for making that loan is when someone starts to feel an urgent need for their business capital. Because apart from that, it will be very difficult for someone who takes out a loan to pay it off at a later date because a loan that is not used for capital or put back into business will not be profitable at all.
So it's not wrong if the loan is made wisely for urgent needs in an ongoing business because the business owner will not find it difficult to pay it every month because he has the benefits of a business that has been well known from the start. Because if the loan is only used to change your lifestyle by enjoying it to the end without any leftovers and without generating other, better income, it will obviously end in trouble.