The appreciation of the stock.

Later you die, your stock is now worth $1000 of which your estate pays $0 tax on it (see: stepped up cost basis) and then they pay off the loan and pass the proceeds to your trust.

in the interim, you've been able to enjoy the $100 from your stock (which may have a cost basis if $0.0001 since you're a fonder) without paying any taxes.

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Also your interest rate of 10% is a bit high but still basically lower than the appreciation of stock so it kinda doesn't matter.

https://tradethatswing.com/average-historical-stock-market-r...