I convert 100% of my pay to bitcoin then just sell enough to cover my bills at the end of the month. Over the last 12 months this allowed me to achieve an 80% savings rate. I like supporting the companies that are building the products that make it easier to live on bitcoin. I have taken a small loan with Strike to buy more bitcoin. Rate is 12% and i added the bitcoin I bought yo the loan collateral and i can cope with an 80% price drop. As long as you don’t get greedy and you can survive an historic level price drop without getting rekt then i see no issue with borrowing against bitcoin collateral. In fact i think it helps speed up the demise of fiat.