Oh you hold cash. I eliminated the friction of holding cash by "mortgaging my bitcoin"

the other advantage of borrowing is it increases the amount of BTC you own...if you sell off your stack to pay expenses...its gone lets say you have a major expense...you need a new propeller and its $24,000. option A: you sell .25 BTC, and now you have less option B: borrow $100k, buy the prop, AND buy .75 BTC got the thing you needed, have more btc, and can pay off the loan with a new one, ( using less btc when its due.)..rinse and repeat