Ask them out. If it costs you everything it was never going to be something.

I wouldn’t say never. Attraction potential can change drastically over time. Maybe it would cost you everything today, but not after a year of self-improvement: diet, exercise, hobbies, hygiene, etc.

Hell, even time by itself might be enough to shift the other person’s values. Maybe today they just want to party and have casual sex with hot strangers, but in a year or two they might want a serious relationship with someone they trust.

All big “maybes”, but to ignore them is a bit reductionist. People are complicated.