My advice is the same with your advice. I don't like loans. I don't like borrowing money. I'm not comfortable knowing that I owe somebody a certain amount. But, who knows, if ever a time comes that I will have to borrow money, I might. However, it will never be for the sake of investment. It might be due to emergencies.
But if somebody is to borrow money for the sake of investment, Bitcoin is a better choice especially in the middle of a bear season and if it is for long-term hodling.
At least I don’t have the courage, I remember a news in the past, Binance’s CZ once sold his real estate to invest in digital currency. Although he succeeded, this approach is not worth advocating. The volatility of Bitcoin is relatively large. If you operate on an exchange and use leverage, then you will fall into a huge financial crisis or even go bankrupt.