I only hate not investing everything in Bitcoin. This round of gambling on altcoins has indeed resulted in heavy losses, but compared to those who bought houses for three to four million and now can't sell them for seven to eight hundred thousand, I am still lucky. Can we trust what the government says? Think about it carefully; after so many years of hard work, I'm still in this situation. As for the loan, I can always choose not to pay it back; being a deadbeat can be considered compensation from the bank. Credit scores don't mean much; they are just used for cashing out. As long as the project doesn't die, I can still turn things around in a few years.