There is no guarantee but based on all of our experiences, we're in profit if we've DCAed long time ago and we'll compare the price we have now.
And also the price when we're able to buy all of those Bitcoins in the past. But this is the right thing to do.
We shouldn't guarantee it to people that we talk to if we're discussing about Bitcoin. Because this is one of the craziest thing that they might do upon hearing that it's a guaranteed profit and that's to take a loan so they can invest.
I don't think it's a good idea to take a loan for doing DCA. We know it would give you a good profit, but it takes 4 years or 5 before you can see the result. Taking a loan needs repayment every month, so how can you survive paying it monthly?
If you cannot pay them on time, you will face penalties, and you will get more negative profit than making profit from doing DCA.
And it might be worth beneficial if you do DCA in a bearish season because you are buying cheaper than randomly buying when the price is near ATH.
So, for me, if you are going to do DCA, only put extra money or a little percentage of your salary into Bitcoin as your crypto savings. Don't take a loan; you could lose more than you can profit from DCA.
It's never been a good idea to borrow money to DCA or do a lump sum. We're doing something that we're not sure of and if we're sure, we will use our personal money and not a debt to invest. Investing in Bitcoin is profitable but you're right that it will take around those years for one to be profitable.
And I don't think that someone who had relied on debt to invest will be able to witness that profiting moments when they have no other options but to pay the debt and interest with possibility of what they have bought and will be forced to sell at unsatisfying price of BTC.