One should not dump on something without an alternative so I will offer the [absurd] assumption of all your investment being in BHP. You get a tax paid 3% dividend. You can present it as collateral to a margin lender and draw down equity as you choose to a minimum of 30% WITHOUT PAPERWORK!
Point is, you get a monthly statement which allows you to pull your horns in if things aren't going well, or buy a new car if they do. I am retired and now reject complications.
Good point Sunfish. Using margin lending is another option to consider. It would have to be at low LVR (30%) to be protected from share volatility and margin calls, but it is an interesting option that can increase cash flow on shares.