Call me crazy, but I think it makes more sense for me to make minimum payments on this 10 year loan I have for new HVAC unit at 10% interest, and buy more BTC every month instead of paying additional principal to payoff sooner

The CAGR on BTC outstrips the additional interest I would pay on fixed payments with weakening dollar.

So long as I can service the debt, it makes more sense to buy BTC with the extra cash. What am I missing?

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Outperforming 10% should be pretty easy. Spending other people's money 101, as long as price swings don't fool you.