It's your choice not to do it, but it's an expensive choice.
Anyways, you can buy and use Bitcoin 20 years from now as well, so there's no rush.
All I want from it is to not inflate my money (that's why the 21M cap is great for me...tulips would be great as well if you could guarantee that they don't age and are limited to 21M).
You need to pay 10% interest for loaning against 50% of your BTC.
Of course BTC's price probably won't go under $20k ever again, but in March when it went from $8k to $4k for half an hour, a lot of us were surprised.