Fear was what stopped you. You want a soft life but you feared the risk of a loss. In this industry, you've to be resolute and adventurous to be able to break through the chains of fear.

By the way, $50k is a huge amount of money in my local fiat (I guess in the US too). I don't know what country you're from but I want to believe that amount is huge too pin your country. I don't think banks will grant such amount of money without a collateral. So, what collateral where you thinking of using for the loan? I think you should've sold that collateral for Bitcoin instead of going for a loan.

Would I take out a loan to invest in Bitcoin? Nope. I would rather use my savings for it or sell off certain assets to get what I want. I detest bank loan.