I understand your point. Despite working, have you been in a situation where you were lent some amount of money for a particular project, and it didn't turn out as profitable as you thought? It turned out disappointing.
Such a thing can happen to a borrowed amount on Bitcoin investment because the person invested with the belief that, within this time, the market would be profitable for him or her, but it didn't. As we are just anticipating the bull run to happen a few months from now, it didn't happen, but it happened towards the last quarter of the year. How will the person deal with the disappointment even when he pays back the loan? Won't his or her mood change to bad about the crypto market.
Is something that happens to people all the time but not for the intention of buying Bitcoin, though some might still use because of Bitcoin and do that but is not nice, we no that all the money someone will borrow is for the purpose of making it but note that our daily business is not like Bitcoin investment because they can generate you daily but Bitcoin cannot do that, so if we cannot see the borrowing risk at least don't do it for something that would take you years of waiting before you can talk about getting what made you to invest on that, so invest only what you own on Bitcoin and not the other way.