Unpopular Opinion: Taking out a loan to buy crypto would have paid off massively at any point

As per title – People say don't buy crypto with credit but if you had taken out a loan at any point in Bitcoin or Ethereum's history (plus many others), you would have made bank by now depending on the terms of the loan.

The bank would offer me a 5 figure loan at less than 1% repayment over 5 years, which my job could cover without fail even if BTC crashed to $0.00. I haven't done this, just as a caveat. ETH did almost 10x in the last 12 months, negating even a much higher monthly repayment just with the profits. So although I agree with the narrative surrounding credit for crypto, in the example many of the top cryptos you would could have already been very rich.

Change my mind, I know it's a risk regardless and the banks would probably stop you spending the loan on crypto but in many instances buying crypto for credit would have paid off massively!

Edit: Definitely not financial advice, I have no plans or desire to ever do this it's just an interesting topic.

Edit 2: For all the people not reading the post – This is not advice of any kind, Im not suggesting you do this, I havent and never will do this.