Taking a loan to keep to your bitcoin accumulation ongoing isn't a bad idea but where you are taking this loan from, the interest rate and the understanding between both parties. You might be expecting your monthly income next week and the market dips, you can take a Ioan from a friend, coworker or from your Boss so that you don't miss the dip in order for you to buy bitcoin at a cheaper price. Such loans might not have interest on them or very little interest that would mean nothing to you.
Sometimes at work, I borrow money from my colleagues or I do take salary advance from my Boss make life easy for me since I cannot wait for the day I will be paid, or due to all my income being divided into various necessity, because whatever makes you to start your bitcoin accumulation, buying bitcoin regularly is a necessity. It's when you don't have a discretionary income and you just want to start your bitcoin investment that taking loan from the bank or money lenders with high interest rates is when it becomes a problem, especially, when you are planning to pay back from the profit from your bitcoin investment, that's the dumbest thing anyone should think of or do.
However, as long as you can pay back with the duration given to you or based on your understanding with whoever gave you the loan, it isn't a problem, but first you need to figure out your own financial case scenario playing around you at that moment before making such decisions to avoid messing things up yourself.
Afterall some countries are taking loan to improve their economy. Nayib Bukele applied for $1.4billion loan from IMF and after approval, he bought bitcoin the next day, because the country has what it takes to pay back the loan. If you have what it takws to pay back the little loan you collected from your co-workers, friends and family members. No problem but don't do it above your limit.
Taking a loan isn't wrong and at the same time it isn't prolly the right thing to do. Because if there is a way that a person can avoid taking loans i will humbly advise they stay out of loans due to the interest rate in loan dealers. If you think there is any pleasant deal a loan dealer can give let me break it down to you that there isn't. All they want is to make profit and taking huge amount from them will give them profit so such loan can be a very bad idea. To me i can agree to take loans if i am certain i am going to get the money in a work or a two week time. Sometime i take loan even when i have the money to pay back. I just use the loan to keep my accumulation ongoing and hold on to some stash in case there is a dip then i buy ahead of the next week accumulation.
For real loan is not for everyone. If you read books like "think and grow rich" you will understand that taking a loan is a good idea but not for everyone. Taking loans for business is cool while taking loans for investment is a lot more risky than for business. And not everyone has the capacity to pay as agreed. Most persons after taking this loan it becomes a problem for them to pay back. Before you know one or two years will pass and the interest will be bigger than the original loan amount. Whats not the essence of the loan when the investment made has not yielded the interest and you are already paying it because of loan delay. Like i said its not for everyone.