Tried borrowing against my BTC just to see how it worked and now I can't go back

This might sound dumb but I tried borrowing against my crypto last month for literally no reason. Just one of those weekend rabbit holes where you start clicking around and end up doing something you didn't plan to.

Bit of context — bounced between a few apps over the years (Coinbase, some onchain stuff that honestly intimidated me more than I'd like to admit lol) and ended up keeping some of my assets on Nexo for the stablecoin yield, which was honestly the only reason I opened the app most weeks. The borrow option had been sitting in the menu for ages but I never opened it. Kinda just assumed it'd be complicated.

Took a small line against my BTC, sent it to my bank, sat there looking at it for a bit. Whole thing took a few minutes.

It kinda broke something in my head. For years I've been treating my stack as untouchable — hold forever or sell in an emergency, no in-between. Every time something came up, my move was sell a chunk, move on. Each one a permanent piece of my stack gone at whatever the price was that week.

Now I'm wondering why I never looked into this earlier. The math on what I gave up over the years is gonna haunt me...

Anyone else have a "wait that was an option the whole time?" moment? For the people who do borrow — DeFi, CeFi, or some mix? Where do you borrow and against what?