I agree with you that taking a loan to invest in bitcoin is not an option, because if we mess up our bitcoin investment, how are we going to repay our loan when it is due for repayment? If there is no money to invest in bitcoin, we should calm down and wait until there is money to start our bitcoin investment. We shouldn't take a loan to invest in bitcoin because bitcoin is a long-term investment.
Actually if you are able to do that and have larger funds to be ready to take the same risk as Saylor did then it can still be done but on the other hand we must remember that we are not someone who is rich like Saylor so taking out a loan just to invest clearly must be reviewed further because it can be very risky for the future we have because it is an ordinary person and is in an economic level that tends to be ordinary or even still lacking then it can be suicidal for them if they force this as an option.
It is enough in a conservative way where investing when you are able to do so because even though bitcoin will be profitable for the future but we do not need to do aggressively as a whole because in the end there is a moment where we have to think carefully and decide to be reasonable and there is a moment where we have to act aggressively in addressing something including investing in bitcoin.
The idea is not good to be adopted BTC investment is like fiat investment where you take loan and do some capital project or infrastructure that can generate your income to pay back if it can't within the deadline been taking as collateral. Borrowing is bad idea reason being that the market can be at dip after investing with the borrow money and the deadline is at hand selling off your BTC can render you loss, and this can also deprived you if Long time holding if you have not meet up to the term and conditions of the money borrowed to invest, you will be forced to sell off your BTC therefore closing your investment.
The only best option is to invest according to what you can afford and avoid over investing that will mount unwanted pressure and plan all course of quick withdrawal that can hinder your long term holding especially the area of emergency fund that has been over emphasize because it has been one if the courses of failure if this Long term holding.