If you have $13,500 that you didn't have before, isn't that an increase?
I do see the distinction you're trying to make though. That's why I qualified it with the word "collaterlized".
Let me also correct you: "Let's say you have one bitcoin. Your funds available for spending are $27,000".
No, we're not talking about selling the bitcoin. There is no 'spending' here. What you're doing is borrowing against the value of the bitcoin that you're holding. You don't need to sell it, you're using it as collateral. The system can liquidate you.
