All great points.

Personally, Ive been rolling credit card balances into new 0% interest balance transfer offers for the past 2 years and will be closing out these fiat leverage positions this year.

That said, while this strategy has worked brilliantly for me, I'd hardly recommend that anyone start using it in a bull market. Just spend less than you make, leverage the interest-free 30 day credit line, and save in bitcoin.

Staying humble and stacking sats is always the best bet.