the other advantage of borrowing is it increases the amount of BTC you own...if you sell off your stack to pay expenses...its gone

lets say you have a major expense...you need a new propeller and its $24,000.

option A: you sell .25 BTC, and now you have less

option B: borrow $100k, buy the prop, AND buy .75 BTC

got the thing you needed, have more btc, and can pay off the loan with a new one, ( using less btc when its due.)..rinse and repeat