Everyone can make their own decisions, but borrowing at all is not something we should regularly do. And additionally, the interest rate that one is likely to get on this borrowing will probably not competitive enough to consider it a "speculative attack". Rather, it will set at a rate that most likely makes it considered irresponsible borrowing in nearly all cases.

Unless there is some tax advantage to this borrowing that makes it all justified...

Just my two cents. DYOR!