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I think not only common people want to take loans but also investors. The only difference between this two is that investors tale loans to make profit using that loan they will invest it unlike common people they take loans to buy the things they want. Therefore an investors think twice than common people. But not all common people is like the scenario I gave.
Yet, we shouldn't forget that many investors, if not most of them, are not making profits from their investments. I mean, it's not a magic formula of success, like "Be investor, don't be a common man!". Sometimes common people are more successful than investors, because the former spend their money on the things they need in everyday life, while the latter just lose their money with some bad investment.
Investors live their life with profits so they can afford to buy more things than common man but there is no simple magic formula to become successful investor,it will take atleast more than a decade to show how successful you are,that much patience will not be there with common people.