If you need a loan and you don't have enough collateral unless bitcoin is bouncing off the ATH, you can't afford it. Definitely not since you are going to get liquidated and lose the not enough that you have next year.

The % collateral is the same. That means that you always need the same amount of sats to not get liquidated at the same price. Loan at cycle bottom you get less dollars day 1, loan at market top you need more sats not in the loan to push in later after the price drop.

I'm not opposed to calculated use of loans you can afford for things that have large economic returns to you. That means understanding the algebra behind loan collateral for starters.