It's important to follow the rules, of course, but I think the most important thing is how well you can continue to invest the wealth you invest in the future. If you can regularly add money to invest your assets then you can continue the investment process as per the rules.
Of course, one should invest for future life. Start investing with courage, but don't show courage where you have to invest through a loan process. If you are a normal person then you cannot take big loan, even if you continue investment process with small loan money in long term investment process you will naturally face big loss. Of course we have to focus on additional income projects instead of focusing on loan projects, from where money can be earned and money can be invested. If you have a strong interest in investing then you must find new small income sources, small income projects will collectively grow into a big income source in the future. Investing can only proceed when the incoming sources work consistently.
If I am in a position to advise a friend, I will strongly advise them not to invest with loans. Especially if they are not currently managing businesses with assets that can be replaced with the initial loan taken as per the value of the loan meant to be returned. If not for big businesses who have multiple streams of income and insurance, taking loan for another investment should be discouraged. Otherwise, I will advise my friend to invest with the profits they've realized from their existing businesses, however small. Every businessman or woman has a vision, such visions can be translated as one's business foresight for the future. But, come to think about it, the future is just an imagination which every one builds in their subconscious mind. Planning for the future is essential, but planning for the present is even more important. In a nutshell, whatever decision you intend to take for the future, should not be detrimental to the present.
If it's taking loan to invest in bitcoin, I won't support that. Taking lone to invest in bitcoin is something that we shouldn't try, because you will be putting unnecessary pressure on yourself. What happen when your loan is ready for repayment and your bitcoin maturity date hasn't arrived and there is no money to pay back, you will definitely resort to selling your bitcoin in order to repay your creditors and all your efforts will become fruitless in the end. For me instead of someone borrowing money to invest in bitcoin, it's best the person dispose items and properties the person don't have much need for them anymore and raise substantial amount that can be used for the investment. It is better that way, a good investment is the one you make and have peace and rest of mind.