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.
You are right, Investing in Bitcoin by borrowing is not really a good. Because investing with debt, Bitcoin has the potential of not only profit but also loss. Now if you borrow and invest and suffer a loss, how do you repay your debt? According to me, if one has accumulated wealth, then it is better to invest for him.
Investing in bitcoin is not something you reap in the following day or week, so if one take loan to invest how does he plan to back the loan. Though there are some loans that the lender or the lending company gives to the borrower to pay back after 3 to 4 years but those loans interest rate is very high which you might even used everything you got from the investment to pay the loan and at the end you loss out. And that is no capital and no income. You invest for the lender and not for yourself. So that is why people are advised not to borrow and Invest on bitcoin because the risk that is involved is very high. But if the you have alternative ways to pay back the loan on time then you can borrow and Invest.