I always had hard time convincing myself to buy Bitcoin with a loan from bank. Eventually I bought some around 20-21k levels with something like 1k usd loan with 0.5% interest. It definitely doesn't kill me because I work so I have fixed income. But as I explained, if rates are not good enough and you are not having good income its best to not buy Bitcoin with a loan. I wish you best with your purchase. I guess you (OP) already made profit as price is higher now. Also its best to put that Bitcoin into earn program so you can generate more for future.
This is indeed a little difficult because indeed when making a loan to buy bitcoin we also need some considerations for that and one of the considerations is as you said.
The fact is that even though this is still good, this can only be done with a number of conditions, such as having conditions where you still have a steady income from the work you are doing now and already know what to do in paying off or installments that must be faced.
But in this case, I also don't feel that it's wrong to borrow to buy bitcoin because it really comes back to strategy and as long as we can afford it, we can do it too. But the average would definitely avoid this and I will also do that because indeed my choice not to be in a loan to a bank or to anyone to buy bitcoins is still the best decision I have at this time.