Most crypto holders want a loan against their Bitcoin and never take one

Leverage on Bitcoin isn't reckless—it’s a rational strategy. Over the last five years, borrowing against BTC at a fixed 11.5% rate was a winning trade 80% of the time, with gains often dwarfing interest costs by triple digits. While 80% of holders consider these loans, only 14% actually use them. If you have the surplus collateral to survive a 2022-style crash, avoiding this leverage is just leaving money on the table. Is playing it "safe" actually costing you a fortune?
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