Whether it be buying btc or buying equipment to mine btc. Did you ever borrow fiat to make your purchase? I have not. Just curious if anyone ever has.

Yes, i agreed with you , investing is really risky and you can't make sure that you will bring back the income or even through you could lose your base balance.
So don't even try to borrow money to invest , just invest free money which you can efford to lose, not borrow ones.

I haven't borrowed money just to invest in bitcoin. I'm not confident if I'll use the money of others to invest for my personal investment or for personal use. I know this strategy works for others and its like they are making money out of the pocket of others but I'm not that type of person and its better to put my own money at risk instead of others. The market is too volatile and there's no assurance if the agreed date of payment will be followed because bitcoin's value is fluctuating most of the time.