This is just the end point of it, when using a borrowed money to invest in Bitcoin you don't plan on paying back from the profit you make from your holdings, you pay back from another source, that's why I made it very clearly that if the loan is being payed back installmentally from your paycheck it's quite cool, especially if the interest is on the lower side and it's spread out across three to five years payment, but if the interest is high and you planned on paying it back from your holdings, it's a no no in my own opinion, because it's a terrible mistake to be making in this age and time.
Personally I don't support the idea of someone borrowing to invest in Bitcoin, I totally discourage such mindset, Bitcoin is not like other investment so it won't be nice for anyone to borrow to invest in Bitcoin, it isn't right for me, mate there are some investment we can actually borrow to invest in but not Bitcoin unless an investor has a good source of income he or she can lay hands on later to pay up the loan just as you said but whats they need of even doing that, instead of borrowing when you have other source to pay back, why not use that same source to keep investing slowly consistently, I don't support borrowing to invest in Bitcoin, Bitcoin investment should be done in such a way that an investor wouldn't put him or herself in an unnecessary pressure that's capable of making his BP to rise, since we understand and know that we can actually invest in Bitcoin with what we can afford temporarily and increase our level of investment when your income comes up, I don't see any need of doing otherwise for no just cause when we can do things gradually,steadily and relaxed without being bothered.
Borrowing money to invest in Bitcoin, I do not see it as a bad thing, but that should depend on an individual's plans. If someone sees an opportunity, especially during bear market, and feels they don't want to miss the chance of buying at that price dond that time, they might consider borrowing money. If they have the means to borrow money and are confident they can pay it back within some time, I see no issue with it.however, this should not depend on Bitcoin investments to make profits before paying back, like traders often do. As far as long-term investment is concerned, I feel there's nothing wrong with it. If someone is serious about paying back the money they borrowed and even continues investing more money, that’s fine.what I would never advise someone to do is to borrow money to trade Bitcoin. But as far as long-term investment goes, if someone has a way to borrow and invest responsibly, I am okay with it. I believe someone would panic if they borrowed money to invest in Bitcoin and didn’t have the means to pay it back, relying solely on Bitcoin profits to do so something some reckless traders often do.