Sure, debt is a more sophisticated instrument as compared with straight-forwardly living within your cashflow, and it seems to me that the best kinds of debts and/or loans that have already considered ways to pay back the debt, and without relying upon the appreciation of the investment in order to accomplish paying back the loan, and surely there are also folks who are able to muster up way more favorable loan terms than others, and it may well be neither unethical nor imprudent to personally profit from personal credit and/or even collaterally-based credit that is relatively well thought out, accounts for the costs of the loan(s) and other applicable terms.
Surely, the use of loans and debts is not a basic technique to be applied without weighing costs and benefits, but it is a technique that can both be learned and employed in relatively risk-free (or risk-minimized) ways. Admittedly, there are a lot of folks who neither know how to employ or to manage debt, and who should not be using debt based on their own skills and/or circumstances, yet the mere fact that a decent number of folks do not know how to use debt or they employ debt under the wrong kinds of circumstances, that should not cause debt to be eliminated from the list of options that someone might well be in a good position to reasonably deploy.
I quite understand your point sir, I was on the notion that loan is good to invest in Bitcoin when a person is out of discretion due to lack of proper management, that in such situation loan can be needed if there is hope to pay back. But from this statement you made, I have learnt that loan may be good but not what many guys can do. Just like the last paragraph I bolded shows how many guys may be lacking behind in times of loan management, I also rememberd that if someone could not have been able to manage his discretion to the extent of taken loan then probably he may as well not be able to manage loan if taken. So guys should be able to weigh their capacity or capabilities in term of financial management before such idea should even be nursed in their mind.
In conclusion loan is not for everyone but for people who are financial minded or wise, and not for guys who should not have been using dept due to lack skill and or using it in the wrong circumstances.