I remember this thread in 2017 in the French part.
https://bitcointalk.org/index.php?topic=2425439.0At 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?
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 you want to gamble with money, that's fine - you are welcome to spend any money that you have earned through hard (or easy) work. If you want to take out a bank loan though, you sign a contract which usually clearly defines what you will be doing with it, or at the very least will define certain things that you cannot do with it and near the top of the list is spending it on highly speculative assets. Just look at the mortgage market, banks are willing to give very high amounts over a very long term, because it is backed by an asset that is generally trending upwards with decades of history and evidence to back that up. Crypto on the other hand has only been around for less than a couple decades and had a serious market for about ten years. Maybe at some point in future it will stabilize to the same degree, but that's some way off.