"Honestly, I get why the UK wants to protect investors... but isn’t this also limiting financial freedom? I mean, people should be allowed to decide how they use their own money

Things are heating up in the UK crypto scene — and not in a good way for some investors.

The UK’s top financial watchdog, the Financial Conduct Authority (FCA), has just dropped a proposal that might change the way many people buy crypto. They’re thinking about banning the use of credit cards, loans, or any borrowed money to invest in crypto assets like Bitcoin, Ethereum, and others.

Wait, what? Why?
According to the FCA, too many people are taking huge risks by buying crypto with money they don’t really have — credit cards, personal loans, etc. If the market crashes (which we know it can), they don’t just lose their money… they end up in serious debt too.

FCA says this new rule is meant to protect regular investors from losing everything. And to be fair, they’re not wrong — we’ve all seen stories of people going all-in and ending up with nothing.

But here’s the twist:
This is just a proposal for now. It’s not a final rule. They’ve opened the floor for public feedback, so it could still change.

Why does this matter to you?
If you live in the UK or if other countries start copying this move, it could change how easy or hard it is to invest in crypto using borrowed funds. It might even shift how the whole market behaves
So, what do YOU think?
Is this a smart step to protect people, or is it just another way to control how we invest? Could this happen in your country too?