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.
Borrowing from a bank and just to buy those bitcoins is going to have some problems and of course other considerations I think it would be better to avoid it or never do it.
There are still ways that are really effective where we can buy bitcoins regularly without involving money from banks, for example, use 20% of your total salary every month, or there are other ways where you have side income so it can also be used to buy bitcoin while your salary will not be disturbed by this but the most important thing is how you can manage your cash flow properly.
Currently signature campaigns are quite effective as a side income that you can also do as an investment or sort of do the DCA method just like everyone else is doing.
The best decision to buy bitcoin is when you have managed all your needs.