That's true, leverage if used, should be tackled with utmost care, else that's another great risk for the trader.Most people can be successful paper trading, but they fail trading with real money. The reason for that is emotions. I'm a big believer that emotional detachment is necessary to have success with active trading.
I never trade with money I need, so I definitely wouldn't take out a loan to trade with money I don't have. Leverage can help you grow your account faster, but it also increases the odds of failure.