To be on a saver side taking loan in using to accumulate BITCOIN it not really not on a saver side anything can laterally change why i say BITCOIN investment it know to have high volatility and we aslo see that BITCOIN price is so fluctuate and if the market is dipping one could lose all the investment but still own the loan.
That is why its better to invest in what you can afford to loss
Your write up is really not clear tho, but I understand what you are trying to say.
Taking a loan to buy Bitcoin may not be as brutal as taking a loan to trade but it's not ideal in my own perspective because for you to be successful in your Bitcoin holdings, you need to invest only with an amount you can do away with for a very long time, but once it's a loan money, the added pressure of paying it back added with the interest that comes with loan makes it unhealthy to follow such path.
Because even though the loan is being payed back from your paycheck weekly or monthly on an installment plan, the interest rate will be a major barrier if it's on the high side, so the best thing in my own opinion is to kill the thought of borrowing money to invest or trade, because it's not the best way to venture into any of them.