If I don’t take a loan on my Bitcoin because I won’t be “owning” them but if sell the Bitcoin then I definitely won’t be owning them. What other option is there to unlock the value?
Discussion
If you take a loan on your bitcoin, you won’t own twice as much bitcoin as if you just sell/spend some because of the way lenders over collateralize loans. If they require that you give them full custody the collateral, which most current lenders do, then it’s even worse. It’s money. Save it. Spend some if you need to. Earn/buy more. That’s how money works.