Investing with borrowed money, especially in assets like Bitcoin, is actually more stupid than planned investing. While there have been cases where individuals have made substantial profits from investing in Bitcoin, it's really not that much, and I find it more fortunate than a well-intentioned scheme. Profit is not certain, so work, and once a case of loss occurs, I think life will turn into a very wonderful new chapter when debt is not paid.
Op did not mention borrowing money to invest in Bitcoin or other Cryptocurrency, this method is not recommended because the risk is very large if the asset you are buying is stuck while the loan payment is due. The contents of the topics discussed by OP are more inclined towards financial management so that expenses are smaller than income so that we avoid debt. Money is an inseparable part of making ends meet, but behind all that you have to have savings so you don't fall into a circle that can make your life limited by digging holes to close holes for borrowing money to pay off debts.
Borrowing for any investment purpose is very risky and also not a good idea, because investment is uncertain income except for long term and you have to think about paying off your loan every month. Unless you have a steady income that is bigger than your loan that you have to pay off every month, even then it will make you dizzy thinking about it every month because there will definitely be unexpected expenses.
and saving is the best solution to avoid debt and can also be used as a reserve fund so that your life is comfortable, no matter how small, saving is mandatory because over time it will become big. And the most important thing is that you have to be able to adjust your needs and lifestyle according to your income, and keep it to a minimum so you can continue to save.