At the time OP wanted to borrow to buy BTC. As we know today, he would have made a great deal (plus, a rare thing at the time, his banker was OK to lend him the money).
Yet almost everyone advised him against it. Why was that?
In taking up any new venture, one has to face some adversities. But those who are wise ignore this issue and take risks, who know how to take risks are able to profit in exchange for taking risks. There are many who, despite being financially prosperous, were not positive about accepting Bitcoin. They are regretting the current situation of Bitcoin. Again, there are many who did not have cash a long time ago but they found the potential of Bitcoin, which is why they invested there despite taking risks. Today, those investors have become relatively successful if they hold bitcoin.
Not everyone can take risks, which is why everyone's perspective will not be the same. If there is a good source of repayment, then it is better to invest in Bitcoin if you have the ability to hold it for a long time. Though this financial advice will not work equally for everyone.