>When Bitcoin was increasing 10-25% a month, makes total sense to max out your credit and pay off your balance the next month. Not sure if this was a risk-toler

>When Bitcoin was increasing 10-25% a month, makes total sense to max out your credit and pay off your balance the next month. Not sure if this was a risk-tolerant move, or just a risk-ignorant move. No it didn't! There was no guarantee that the value was going to keep going up! If you invested like it was a guarantee of profit, you absolutely should never ever invest - even if you managed to profit off of BTC. Remember, for every person buying Bitcoin because the price was going up, there was somebody else selling it because they thought the price was likely to drop. In a speculative market, you cannot look back at past performance and declare it "makes total sense" for everyone to have had invested recklessly during that time period. You'll likely use that same excuse to invest wildly again later when it looks like a sure-bet again, and if you're wrong (as many people have been in crypto markets) you stand to lose a massive amount of your net worth in the process.