I think it really depends on your situation. If you can service / pay off the debt with certainty without adding any significant risk then I think it's a useful tool.

I took on debt to buy Bitcoin through a signature loan from my local credit union during the COVID crash at a btc price of about $6k. It worked out well for me but I never put anything at significant risk and I knew the price at the time was extremely under valued.

If it's non KYC and indeed P2P then why do then need my email address?

Oh nice!

And don't forget Fedwire. Bitcoin is the fastest and most decentralized final settlement network in history. Lightning is awesome but it can only exist because the base layer is so robust and reliable.