well it all depends.  the t21 miner was as low as 3000 usd.

using a cc buy 6 at 18,000 usd

run them at 190 th each  or 1140th they earn 80usd a day. burn 480 kwatts a day at six cents you spend $ 28.80

that is a net of $51.20 in btc a day.  now here is the kicker.

I can get 21 months of interest free cc so I charge  and need to pay the gear off  at under 900 USD a month. so clearing 51 usd a

day  mean means 1530 a month pay 900 for the cc. and I gain 630 usd worth of btc a month.  never laying out coin or cash.

so in this case mining is better.

yes shit can go wrong. you need to be able to pay the cc if the gear breaks or prices go bad. but right now as I type a small farm with 10 cent power works better than buying the coin.

remember If you do this there are still risks.

bad gear
theft of gear
prices drop.

but zero out of pocket if you have good credit.