There are various ways to consider a loan, and surely any loan will have terms that cause it to cost money, and surely if the loan has favorable terms in regards to length of time and/or fees, then it could be worth while to enter. A loan can be used as a way to frontload an investment into bitcoin with income that has not yet come in. You should be able to pay off the loan no matter if bitcoin performs well or not during the term of the loan.
If bitcoin performs poorly then you might realize that the loan did not work to your advantage, and you would have had done better to just invest with your normal income and you would not have had to have had paid the fees.
If bitcoin performs well during the term of the loan, then of course, you will feel like a genius that you were able to buy more bitcoin than you otherwise would have had been able to buy through your regular income.
The main things are the fees, the term of the loan and your ability to pay back the loan, even if bitcoin goes to zero during the duration of the loan.
If you want to invest with debt and if you want to repay your debt with the money from that investment, then it will be a completely wrong decision. Because the goal of investment is to increase capital for the future, which is usually done through long-term planning. Another thing is that Bitcoin is very volatile. It is never possible to say in advance what will happen in the market. If you invest with debt and if there is a decline in the market at the time of your loan, and your entire investment is lost, then how will you repay the debt? Then you may have to sell your land or something else to repay your debt. If you want to manage your investment in this way, then you may be a victim of a very bad situation.
Investing with debt is never a right decision. It is always better to continue buying based on your discretionary income. If you do not do this and want to invest with debt, you may go bankrupt after a while.