You're worried about 20k credit line for trading? Look into margin trading and leveraged ETNs or ETFs, or naked options trading if you're feeling adventurous.
Yes, the financial world offers an interesting variety of ways to blow yourself up if you don't know what you're doing.
Think of it as acquiring technical debt. Can help you grow faster, but need to monitor it carefully to prevent eventual trouble.
It's not technical debt, it's just debt debt. Can help you grow twice as fast, but you can lose twice as fast, too.
Using technical debt as a metaphor for debt is... I wish I could use the "100" emoji here.