If you do it when Monero is near its long-term moving averages in the fiat shitcoin that your country uses, then it might be worth it, because then it's likely to gain in purchasing power and make the debt easier to pay back
You may also do this with the full intent of walking away from the debt and never paying it back, but I cannot personally recommend that as that would be highly illegal and we don't recommend illegal actions around here.
For me personally, I would not advise doing this as I feel as though it could put unnecessary stress on you
I think it depends on when and how you do it.
If you do it when Monero is near its long-term moving averages in the fiat shitcoin that your country uses, then it might be worth it, because then it's likely to gain in purchasing power and make the debt easier to pay back
You may also do this with the full intent of walking away from the debt and never paying it back, but I cannot personally recommend that as that would be highly illegal and we don't recommend illegal actions around here.
For me personally, I would not advise doing this as I feel as though it could put unnecessary stress on you