Financially that's not application though, it's a scam along the lines of your bank lending you money to invest in your bank.

You can downvote it all you want, but the value of the transaction is directly tied to the value of Bitcoin. This makes it profitable on the way up, and an outright danger in the way down because it'll prohibit you from selling your bitcoin when the value crashes.

Like I said, invest all you want, there are plenty of money to be made still, but at least be aware of the risks.