How about for a used car or home improvement or braces for your child etc. A personal signature loan or uncollateralized loan has high interest rates. Home equity rates are better but you put your house as collateral.

Personally I’m waiting for the market to mature and lending rates to fall significantly before even considering a loan against my bitcoin. Even then only for emergency. Worst case is to pay interest only and roll the loan at maturity. After a while repay with a fraction of the collateral you pledged.