IDK, I can see an argument that taking out a loan against a volatile asset is the only defensible form of interest-bearing loan.

The usury oligopoly's profits depend on asymmetry of information, asymmetry of access, and on privileged access to state violence funded by other people to repossess residual assets. And bailouts if they still lose even after cheating.

Leveraged YOLO bets are one avenue for redress.

If I wasn't worried about my wife losing her clearance, I'd be very tempted to do it myself.

Bankruptcy is the quintessential middleclass taboo - our rulers don't care and we shouldn't either. Just need to make sure major assets are unseizable (mine all are, except the cars).