That's why it is always good to have an emergency fund so you don't get into this hole in the first place.
It will boils down to savings, we should learn how to save for the future as we do not hold the future and we cannot see it, anything can happen even the things that we do not expect, so it's good to be ready all the time and we have to start saving now and instill discipline to succeed.
We really should be prepared for the future, savings is what we really need and it's the only way we can solve our desperate times if we have it. I know that it's not easy for everyone since we do have a lot of wants in this world that we want to buy and we forget about saving our money but it's necessary.
Yeah i think that would basically be the bottom line here. The thing is to avoid being that deperate financially that you would need to loan or borrow money from others. We have to think ahead of time so just in case we find ourselves desperately in need of money, we can pull something out without getting high interests or looking to other people for help