For me the upshot of the last couple of Bitcoin loan threads is Fiat and BTC ( the money and the mindset) don't mix. Fiat is predatory trust based, Bitcoin is pristine collateral. Oíl and water.

Rather than loans, peace of mind is to wait for NGU and spend BTC when you can afford to spend It. And try earn BTC back. Ie Build circular bitcoin economy. Nothing new in there, but a bit more clarity for me.