Between hope you are not taking loan to do any of the two because is not advisable to take loan to invest into Bitcoin for trading must especially if the loan comes with high interest.
It is never been advisable to take a loan for investing in Bitcoin or doing it for trading. Some may debate about this in investing in Bitcoin.
If someone borrowed money and used it for buying Bitcoin when it was still $50k-$60k, they're now in profit and can pay all the due + interest if they have sold the holdings they have now.
But let's just make it clear that they're likely going to lose all the Bitcoins they have bought at that time if their sole option is to sell for everything and debt. If they wanna buy at those rates, they better find a side hustle or sell something that they don't need anymore for funding the purchase.
There is no obligation of monthly payments and interest rates nowadays are gonna bankrupt people.
Although bitcoin is still volatile, it has become much safer than it was years ago because it has become legal, and institutions and governments are also investing in it. So borrowing money to invest in bitcoin these days is not a bad thing but it depends on the person. People who have a stable income and a clear plan to repay their debt even if their investments fail. There is nothing wrong with them borrowing money to invest. On the contrary, for those who are unemployed, have unstable income and want to get rich quickly, borrowing money to invest in bitcoin is a bad idea.
Another thing to note is that we should only borrow money if we have a long-term investment goal in bitcoin, we should not borrow money to trade because trading is too risky and it is more like we are gambling than investing.