Most of the banks, multi purpose cooperative, lending company, government program that let owed people like house and lot, vehicles, business capital, etc. helped and gave an opportunity to get what they want or they dreamed of. Some of them are maybe good but some of them will stuck on you to pay back forever like the house and lot which double or triples the original price. It sucks paying those bills for the rest of your life. And now if we talk about crypto if you are a wise investor you have to learn though many strategy how you can minimize the lifestyle you may have. Invest and pull out the profit and its up to you to decide the rest.