Well yes, if you can earn more by delegating a task, then that's a good reason to do it. If someone can do it better than you and you can pay that person something less than what you value your time, then good.
I believe we have all gone materialistic and for this we are running after money - we want to have money whatsoever is the source
Even if that is hurting someone. I know a friend who has been trapped and the scammer took a big loan on his name - now he is paying off the loan which he has never taken. I wonder what if my friend dies - will he be questioned by God about the loan he has taken?
As I've mentioned in a reply to someone, it's not the pursuit of money that's does harm but pursuing money over everything else: family, morals, etc. There's a big difference between taking an OT to earn a bit more to doing something fraudulent to increase your sales figures (like in the infamous Wells Fargo case).
It's unfortunate what happened to your friend although it's not necessarily all his fault. How was a scammer even able to take out a loan in his name? Couldn't he have filed a fraud or identity theft case or something? Only reason I could think that he became legally liable for a loan is if he acted as a guarantor for someone he knew and said person just disappeared.