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Suppose we borrow money to open a business, which is roughly possible because it will produce money because the money is played back.
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Difference between investing and making a business is in that the second basing on your efforts: if you are skillful, if you made a good business plan and work hard chances of success are much more based on your competition then on a luck. And when you invest it crypto chances are mainly based on a luck. You can work harder in business to overcome a time of troubles but if it is a long bear market in cryto and you invested in it you have nothing else to do but to wait until better times.