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 Cash-out refi to buy Bitcoin makes sense. 
 It does in the long term....even using credit cards as long as you have cash flow.  
 Credit cards are high variable interest rate. Mortgage is a low fixed interest rate. Real estate is a relatively fixed supply. There's only so much usable land in the world. A mortgage is a good hedge against fiat inflation, especially if you invest the proceeds into Bitcoin.  
 What about ppl with unusually high cash flow? Surely the CC is a better....oh never mind 😅 
 theres not so much limit to vertical scalability for real estate