How the discussion moved from buying bitcoin for long term holding to loan is what baffles me. The discussion have completely shifted to a new ground that is more or less a distraction. Why would someone doing DCA, for instance, consider taking a loan? The mere though of it simply means that the investor does not really have the cashflow needed to sustain a bitcoin investment for long term so investing in bitcoin may not be the best decision for him but to fix the cashflow. To succeed in bitcoin investment, there should be plans for emergency fund which will serves to keep the investment going when there is some development that requires money which was not seen or planned for in beginning. Without emergency funds, the investment is continuously exposed to risk. Taking a long is never in any of the process of healthy bitcoin investment.
There was a thread where a member narrated how he sold his landed property to invest in Bitcoin. He was lucky to buy when the price was very low, and he was able to make a good amount of profit. Accessing a loan to invest in Bitcoin is a very bad option. The price of Bitcoin is unpredictable so I wonder how he intends to arrange the repayment plans. Pressure from creditors can make him sell his Bitcoin investment at a loss.
The best option remains investing what you can afford based on your income and making provisions for backup or emergency funds. Bitcoin is still in its early stage, there is no need to rush into Bitcoin investment if you don't have the financial backup. There will always be opportunities to invest in Bitcoin.