The market is full of uncertainty; your plan in 2022 could go either way. You’re regretting not taking a loan because of the Bitcoin price spike, but what if, after you take a loan, a long bear market ensues? You will then have to cut your losses, and you will regret taking a loan.
The golden advice of only investing with money that you can afford always applies, and taking a loan to invest could get you in trouble. Investing in cryptocurrency is never counting your chickens while they're still eggs; there is no guarantee in a highly volatile market.