It seems to me that all investments involve risk. What makes borrowing to invest in BTC any more risky than investing in a start-up, opening a business or buying a house (which may be full of defects, for example)? If the person's financial situation is stable and the banker, after studying the file in depth, is OK, I don't see why you can't borrow money to buy BTC. In fact, this is what some large companies do.
If the person is working and receiving salary or wages and
bebebeing able to pay back at the time requested, that is not bad at all. But some people will just borrow money and not having an alternative to pay the money is the stupidity part of it. People should against those that will not be able to pay back the money.