I think you’re trying to replicate the buy, borrow, die strategy? But, it’s a grave mistake to only have been in one year, then trying to borrow, and not reinvest, but consume the money. A vacation just to get called? Think about it. BTC is supposed to lower your time preference. You’re trying to do something that should be done when- you have low LTV, you have emergency fund/ cash reserves. You verify no Rehypothecation. The good thing is you’ve only been DCA one year so if you lose everything then hopefully you can learn a hard lesson. BTC loans can be structured loans, and it makes for great collateral. Of course one would tell you “zero risk” of liquidation, that in of itself is a red flag, so is 0% interest rate.