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
It will never be a good decision for a new investor to invest with debt. Because if a new person invests with debt, he may become very scared and after a while he may sell his holdings in panic. A new person should initially adopt the DCA method and continue to buy continuously. Because when the market falls, a new person will be scared, it is very natural, but if a new person invests with debt at that time, he will become even more scared.
Investing with debt is not bad but one should understand whether he can repay the debt or not. Because if a person has the ability to repay the debt, he can invest with debt and gradually repay the debt. If he does not have the money to repay the debt and invests with debt, he may fall into bad times.