Don't use fiat debt to accomplish your goals.
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Why? Not that I’m into financial games, but borrowing fiat and buying bitcoin has been a winning move historically. Especially if liability is limited to a company.
Fiat debt used to buy Bitcoin is literally the best way to short the fiat ponzi game, provided one has the ability to withstand volatility without being burned.
Why do you suggest keeping away from fiat debt, other then playing it safe?