Can a bear market loan bottom truly lead to a comeback? Someone did the math: Borrow $60,000 to buy 1 Bitcoin. At an annual interest rate of 7.5%, after 10 years, you'll owe the bank about $105,000. Meanwhile, Bitcoin is expected to rise to $500,000 to $1,000,000 during that period, which could mean a 5 to 10 times return. Even in the worst case, if Bitcoin only reaches $100,000, you can still recover your costs. Sounds pretty profitable, right?

But there are several easily overlooked points behind this logic. First, loan interest is a fixed cost; paying 7.5% annually will continuously increase your debt burden. Second, this assumption is based on Bitcoin's continuous rise— but the market doesn't always go as planned. Third, 10 years is a long period, during which you might face liquidity issues, repayment pressure, or significant market volatility.

Looking at history, Bitcoin has indeed experienced multiple bull runs over the past 10 years, but that doesn't guarantee it will repeat in the future. The logic of loan-based bottom-fishing essentially amplifies potential gains with leverage, but it also magnifies risks. If the coin's price doesn't rise as expected, the cost of the loan can eat into your profits. So, the real question isn't "how much can I make," but "can I afford to lose?"