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 .
I don't know where they get the courage to do this type of investment. Borrowing for a risky investment and also bitcoin price is very volatile. People only do that out of pure greed and lack of knowledge. They only see the profit and ignore other side of bitcoin investment.
Only if you have money to lose, invest them in bitcoin.