There is nothing bad to borrow if you are a working class and will have no jsssue to pay in time, but if you borrow, not having any means to pay back is when something is wrong.

You bought memecoin? So sorry. It will be bad if the memcoin do not reach all-time-high or of it remain as shitcoin or later become dead.

If you have bought bitcoin, you can still just hold it for years, all-time-high will again be possible.