if you are willing to lie and obtain non kyc bitcoin then yes it seems like it would be a marginally less risky crime (but definitely crime) but trust me the judge/trustee will ask where the money you got from the bank went and the borrower/debtor will be under oath when they answer these questions.  Please don’t anyone. 

 I know a dude i used to work with that paid a bunch of his student loans with cards then bk them. 
I was horrified that he thought id think it was clever or funny.  Never trusted him again.
👀 

 Many such cases.