Anyone borrowing money thinking they can invest in Bitcoin thinking it will appreciate is NOT understanding what Bitcoin is! Bitcoin is just digital currency and NOTHING more!
This is a FAD just like baseball cards and basketball cards, where people invested heavily thinking it will always appreciate then later finding it worthless in 10 years!
There are many other forms of digital currency that people can use when Bitcoin reaches it's peak! Once another digital currency is set in mainstream acceptance it will appreciate just like Bitcoin.
Bitcoin shouldn't be thought of as a commodity but just digital currency.