[RIMR]

>But if you are buying an asset hoping that the 100% annual return will pay your credit card interest and help you catch up with your rent

If someone borrows more money than you can afford to pay back because you expected a guaranteed profit investing in a high-risk market, the cryptocurrency was never the problem.

Their completely irresponsible use of debt was the problem.

People can just as easily sink all of their liquid cash into cryptocurrencies, subsequently lacking the capital to repay their exiting debts.