Refinancing Home to Buy Crypto

I've been seeing a lot of news recently about people refinancing their homes to buy Crypto. This is just bad practice and is destroying the foundation that Crypto is trying to establish. From my experience, eliminating the need to leverage your assets is the true power of Crypto. You spend what is available. The key is to let the currency gain value and to spend within your means. There will be times where the Crypto money supply will be disturbed and the debit collectors will benefit.