For me, we must first of all think about reasons why people or investors borrow money from the bank or from online App, people borrow money because of investment, health wise or project, coming to Bitcoin community, I am of the opinion that if an investor wants to borrow money so that he or she would invest Bitcoin, the investor should consider means of payment, wether he can pay from other source of income, wether he will sell his investment just to pay his loan, because his loan interest will continue to increase weekly or monthly as the case may be. So it's not right for an investor to borrow just to invest because Bitcoin is a long term investment unless he has other source of payment, then he can go ahead and borrow