I agree, that's why I advise to always try to keep a 5x ratio of collateral and watch it often as long as you're borrowing. And even better, keep some other cryptos on the bts exxhange at hand so you can quickly add more bts if you need.
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Often I keep aside enough to clear the loan outright. as in using only 50% of my BTS in a loan and having more crypto somewhere to add or clear it if things start going south. Then I will buy the cheap BTS and wait for it to go up.
Margin is risky, but if you be sure it's in a dip or just aim for 2-3c it's ok also