Sounds easy but hard to implement...

Everyone's needs and difficulties are different, Many are in debt because sick, businesses are destroyed or to start a business. I once tried to borrow money from the bank and then gave it to crypto-assets but before the asset I bought went up, I had to sell the asset to pay for my child's hospital, I ended up in debt at the bank and my assets were sold. so always prepare safe funds before going into debt at the bank.