If you have any debt and bitcoin, you literally are getting a bitcoin yield whenever your Bitcoin holdings increase in value more than the interest paid to date. 

This applies to many people. 

Let me give you another example: I bought my wife a mini van in 2017. Was I smart and try to get a yield on my bitcoin by taking out a loan to buy the car? Nope. I was a moron and managed to avoid the massive Bitcoin yield by selling Bitcoin to buy the vehicle. Whereas had I taken out a $40,000 loan at 5% to spare my Bitcoin, I would be up about $350,000. 

This is what I mean when I say only an idiot can manage to avoid bitcoin yield. I am he. And unwittingly there are many like me.