If we educated everyone, eventually a distributed speculative attack on fiat would happen.

If everyone heads to the bank and gets a fiat loan to invest in Bitcoin, this pushes the fiat price of Bitcoin up. This sparks a virtuous snowball where there is an ever bigger incentive to borrow fiat and buy bitcoin (as you say, shorting fiat).

You do this fast enough, and fiat hyperinflates away, and hyperbitcoinization kicks in.

So, coming back to the original question: one positive side of taking the loan is you are pushing the snowball towards fiat's death. It's a peculiar "the worse, the better" situation.