The .91 BTC that would’ve been sold saw an increase in value from $56,420 ($62,000 x .91) to $100,100 ($110,00 x .91). A difference of $43,680 in the past year. That’s the main reason why people borrow against their bitcoin. But there is not guarantee on those results.
There are multi-sig lending platforms that ensure at minimum the lender cannot control funds without the borrowers keys.