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I think it's a bad idea. Debt is debt and you don't want to be the one on the receiving side. The good news is today marks 95% of bitcoin mined. The next 4% will take 10 years to to mine. When the circulating supply inevitability dries up, then you will be in a position to lend out your bitcoin and live off the interest. For now we hold on for dear life.

The right amount of leverage is “I won’t even miss this money”. Like 5% of your income per week in repayments. You can probably find 5% of bullshit in your spending to cover the repayment every week without blinking. 10%, maybe that’s getting tougher, some small lifestyle adjustment needed to keep the budget working. 20%, now you’re going to start having liquidity problems in a few weeks time you didn’t anticipate. 50%, sweet Jesus who wrote you this loan? Can I short them?