Buy Borrow Die with ETH

So I recently came across the idea of accumulating some wealth in BTC/ETH and instead of selling your crypto and triggering capital gains, you’d take out a crypto-backed loan to have access to your money without directly selling the coins. My question is, at what point do you pay back your loan amount? Is there a way to always owe the money until you die when it comes to crypto.

I recently took out a three year loan on Celsius with 0% interest. At what point does it makes sense to pay back the loan. If I wanted to implement the Buy Borrow Die method here, what would come next?