To be honest in this case what you are doing is quite good by buying bitcoin but indeed by buying risking and even borrowing I probably wouldn't do something like this.
I prefer to be in something safe and even though bitcoin is indeed risky I still don't want to be preoccupied with debt so I prefer to buy from the money I have and I consider it as money that is not really used rather than having to borrow money first from the bank .
Even though this is just a difference in perspective, I appreciate your decision to have the courage to do this in conditions where bitcoin is actually still worth buying.