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1. Borrow fiat against btc collateral

2. Sell some btc for fiat

3. Sell covered call options

4. Take loans against the cash value of a bitcoin denominated life insurance policy

5. Find merchants that accept btc

1 - unless that fiat is used to invest in a revenue generating asset it’s just drawing down your stack as are

2 and 5.

3 - seems counterintuitive to Bitcoin. Over a long enough time frame you’re going to get burnt by missing out on a serious run up.

4 does such a thing even exist?

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All the options have costs and benefits, the aim was just to list some for consideration. Re4: an example is “meanwhile”.