Loaning money for example is going to cost you more money so in fact you have to pay for money. But you should only take a loan for something important that you need in live. Do not take a loan if you do not have a good reason to do so.
you may be able to borrow from your friend or relative so it will not be charged.
yes you are right, borrow when we have something that is really important. or borrow when we were able to return it. because otherwise, it would be a risk.