Securing a loan for trading is first of all a very bad investment. From my personal experience, 2020 when I was introduce to trading, after seeing all the opportunity in trading after 3 months of learning I loaned money from my elder brother and promise to pay back is 3 months time. I loss all the money. And I was not able to pay back. I have to look for another means to pay back the money. Considering the emotional and psychological aspects of trading it is not advisable to take a loan for trading.
You have understood this from your own experience, many may not understand. However, one should never trade or invest on credit because when someone trades or invests on credit and later if he suffers a temporary loss, he will either have to sell the investment or trade to repay the debt or he will have to collect the deposited money to repay the debt. I never like taking loans because debt can put people in very bad situations.
When someone decides to take a loan to trade, of course the decision is very wrong and I agree with your opinion to avoid taking loans for trading or investing because there will be many things that we cannot predict in trading or investing and it would be better when we want to invest or trade we have funds that are indeed after meeting all the needs that we have so that it does not interfere with the investment or trade that we do.