And in my opinion the only way maybe you can be more active to work or look for additional money from various ways that you can to then be allocated to bitcoin, you can do it gradually and consistently, as you said and indeed only this is the best solution than you borrow to the bank and then get into debt.
Yeah with the existence of other sources of income this can increase the investment allocation in bitcoin if you rely on one income then it will cover its needs only while for investment it will not be able to even be able to only a small allocation.
But this advice is good, for people who invest more they have a large source of income from many professions that are done as long as they are able and the results will increase your wealth as well as in your investment.
No, loans to banks only make things worse and with the interest that must be paid, it is better to avoid any loans if you want to invest in bitcoin.