Investors never want to take loans for their consumption like home loan,car loan,etc then just save money and will buy the things for their needs but common man like you and me will buy the things immediately when we get the desire of it using loans but we are paying 20% of interest to those kind of loans.
You shouldn't generalize it using common man like you and me every one invests at their own level making every rich as they can afford to be. It's only extravagant spenders that goes about taking loans for personal use but in critical cases it's well understood but as long as life isn't astake there is no point taking loan for anything outside investment