I have many friends who are always ready to help me. Therefore, if there is an urgent need, I will take the money from my friends. This is more profitable than taking a loan from a bank
Good for you, but you have to make sure you will be able to pay the amount you borrow to maintain that good relationship.
As for me, I have a lot of friends but I don't think they can lend me, so my only option is to borrow with the bank.