The best moment ot borrow your bitcoins is right after the drop of the bitcoin because most of the people are buying bitcoins in a low period and selling them further
into a rise then they make money with it and begin again with buying on low points and selling them in rise moments.
But i dont think thats the best choice since we know price higher rising will be occur if theirs halving we can wait for but in normal days i dont think its the best choice because you cannot really accumalate profits with it the only you get is your debt will be more higher and thats bad barrowing choice since you dont get any benifits from it.
When you really need the money and you cannot find another way you can borrow, I must say there is mostly always a other method and I also would use another method.
I think borrowing is not good and one of the baddest options you could have take if you are doing this, its risky too.
It depends on people where he want to use his barrowed money and if he just use it for nonsense thing just to have money to spend in some wasteless matters well thats very bad but if the people are wise using his barrowed money so he can earn more money from it i think barrowing is not bad if the mindset of people is to earn and thats why barrowing money have sense and never been bad if people are wise.