Yeah. That’s like saving in cash. It’s what poor people do. 

There is absolutely no question that leverage and bitcoin means more risk. It’s definitely true I could have enjoyed the last decade being debt free and “living within my means” but that also means I’d have almost no Bitcoin. 

But instead I decided to keep my Bitcoin and borrow money to buy a house. And not pay of medical school loans. 

Some people have trouble recognizing this as a yield, but for those not mathematically inept, they see the reward was not without risk.