Yep, because once borrowing comes into the picture, the whole perspective shifts from calm investing to desperate gambling.. Instead of letting Bitcoin do its thing naturally over time, you start attaching deadlines and repayment dates to it, which completely destroys the essence of why Bitcoin works.
This can only happen when an investor have it at the back of his mind that he will be paying it back from his Bitcoin investment, but if they said fellow have other means of paying it back without stress, is going to put him in a big advantage in his accumulation, because by doing so, he has front loaded his bitcoin accommodation knowing fully well that before he might even pay back all the loan from another source throughout it stipulated time, bitcoin might have even given him more than 20% in profit of it current price, so it's never a terrible idea to borrow money and invest in Bitcoin when you have other means of paying back the loan.
Bitcoin is not going anywhere, and opportunities will always show up again.
It's true that bitcoin is going nowhere, but do you know that the earlier you bought it the better?
Or are you going to compare yourself with those that bought it a few years back?
Truly is going nowhere but you have to have it at the back of your mind that the only way to be ahead of those that have not started their accumulation journey, is to start right away once you have the available opportunity to do it, than waiting and thinking that their is always an opportunity.