I did a speculative attack awhile back and just made a huge spreadsheet.

If you track the interest rates, monthly payments, etc... then you can track how much bitcoin would have to increase in order to break even, etc. I've already come out ahead.

Point being, if you do a lump sum purchase of bitcoin NOW given a set monthly debt repayment amount, you can acquire more bitcoin than if you just DCA'd the same amount, especially over a halvening. Think long terms of 5+ year payoffs. Yes, interest rates are high, but bitcoin will rise in value more than enough to make up for it!

Just don't over-extend... but if you're already DCA-ing $200/month, for example, then just get a loan for $200 a month and drop a huge purchase.

Am I missing something???