You might find this post interesting reading:

What's your experience with debt? #129044

You should read the Operation Saylor, posted here on SN in many episodes:

no, you should never take a loan if you can avoid it. loans help bankers and bankers are evil.

вопрос в другом... сможешь ли ты отдать вать кредит если у тебя только биткоин) банкам нужно будет подстроиться под тебя))) это забано делать некоторых странах...

I don't think there's any one size fits all answer to this question. It depends on each individual's financial circumstances. What might be a highly risky move for one person might be a great opportunity to accumulate for someone else.