Example 1: What if a person was cash poor and so used a credit card to buy 1 bitcoin ($3577USD). Then bitcoin goes on a downward trend for the next 1 year down to $577.
Now the person is not just $3000 in the hole but the interest rates start coming.... how is that going to pan out for them???
Example 2: A person was cash poor and used a credit card to buy 1 bitcoin ($3577). Then they used a second credit card to buy another 1 bitcoin. And then a third card to buy yet another 1 bitcoin. The three cards they used are 0% interest for 18 months. After 3 months after buying the 3 bitcoins, price increases. Bitcoin goes up two thousand dollars to $5577. With 3 bitcoins, they now have $6,000 profit. So they cash out.