Debt vs Bitcoin

Everyone who’s following bitcoin right now knows we are on the brink of a bull run. ETF’s are buying up BTC left and right and this is pretty much the first year of financial institutions adopting BTC. While we may see some massive gains soon, would they outpace credit card debt interest payments? So let’s say someone had 10k of debt and 10k worth of bitcoin. Would it be best to wash out the debt, split it in half, or double down and stack more debt to stack sats. I’d love to hear your opinions.