Disagreed. You completely missed his point. Most people are taking out loans for all stupid stuff like a new car. You don't need a new car that you can't afford. So if pretty much everyone is doing this for stupid stuff why should he not take out a loan and do something smarter with it like invest in Bitcoin? You need to look at the loan data for the average person in the US. To make things worse they even tend to owe money at the worst possible rates like credit card debt.