There isn't really anything to discuss about this, because there should be risk aversion on your part when you are making these investments. I mean if you are investing with money that you will need, then you should not make that investment, if you are investing with money you are fine with losing, then whats the harm in investing? This is why, I tend to keep investing, and when price grows over what I owe in debt, I sell and pay my debt, then I incur more debt while accumulating more bitcoin, and repeat. This has been quite a lot, two cycles so far, did it in 2017 and did it in 2021, I am planning on doing it again this time too when bitcoin reaches 150k.