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.
Investing with loan money is not encouraged, but for those who have the ability to borrow, this strategy is definitely not a bad idea. If those who are able to repay the loan are able to take a long-term loan from a bank or any financial institution as per their needs and are only interested in investing that money in Bitcoin, then taking a loan is definitely not bad. I think this is also a strategy, but for those who do not have the ability to repay the loan as much as possible and do not have the ability to bear the interest against the loan, this strategy can actually lead to a worse situation. Bitcoin is definitely a good investment in terms of long-term investment, but the investor needs to be as careful as possible in conducting investment activities.