This is what I always say, if one does not have any means of financial backup, one should not think of taking a loan to trade because the market is very volatile to start with and it is not advisable to trade with funds you have high expectations on. As risky as the market, one can be liquidated at any slight mistake, and if this happens, there is no way you can recover your funds back hence it is advised to trade with funds you can afford to lose or your spare funds which you are not using at the moment.
Indeed, ideally when we invest in crypto, it uses free money, not money that is used for our daily needs. In this case, our money in crypto will not be disturbed when the market is dropping. Because we already have savings and also good finances. but sometimes life is full of surprises. unless at some point we really need money and there is no other way but to sell some of our assets, yes I will do it. because there is no other choice. and after that, let it happen and come back to add to the accumulation of investment again in the future.
And indeed, when there are good finances and we use funds that we can afford to lose, or the value drops in bearish times or in the market correction era, then we will always remain calm and not panic about the situation.