This is not a good idea to take loans from banks just for crypto use because you know better that crypto is volatile and here you will face difficulties to achieve your goals which also have no guarantee that you will earn with this loan amount.
If you lose in crypto then you will want to recover that money back and also will wish to repay your borrowed money to the bank but unfortunately you will be unable to do any of these tasks.
Therefore don't put yourself in such a difficult situation in which you cannot perform any task and you lose everything for which you will regret throughout your life. Therefore continue your job and don't depend on crypto as sometimes it will give you profit but the profit is not for your whole life and you will face loss by making a small mistake.
Actually depend on market condition and choosing right investment assets for investing, I don't think bad when taking loan during market get drop and investing in bitcoin actually has bigger opportunity repayment loan back in the future. But have getting loan not monthly payment but yearly with bitcoin potential increasing more than 20% until 30% has chance recovery all payment loan.
But never put our self in difficult position by taking loan and use for investing in bitcoin, not promising will earn profit as our imagination and become long term holder not always make us earn profit, better use our free money for investing in bitcoin or looking loan with lower percentage of loan interest.