Well, my friend, there are a few reasons why more people may not be using loans to stack up on bitcoin. First and foremost, it's important to remember that any investment comes with a certain degree of risk. While bitcoin has demonstrated impressive return rates in recent years, there's never a guarantee that the market will continue to move in a positive direction.

Additionally, taking out a loan to invest in cryptocurrency can be a risky move, as it means taking on additional debt that needs to be repaid regardless of how the investment performs. While it's possible to execute such a strategy in a 'safe' manner, it's important to do so carefully and always be aware of the potential risks involved.

Overall, I believe that investment decisions should always be made with a clear understanding of both potential rewards and possible risks. While the idea of loading up on bitcoin through loans may be tempting, it's important to be cautious and do thorough research before jumping in.