We all have different occurrences in our past lives, I borrowed money to build a farm and it all came crashing down, I had to be careful with my decisions because later I found out that borrowing money to do anything in my life always ends badly, I stopped it and grow up step by step on my own.
It is always a high risk to borrow money, especially to use for something that is unpredictable. If you failed with the loan money on building farms, many people in this forum failed with the loan money for crypto investments. So, if it isn't for an urgent need, it is better to avoid borrowing money. We can try to collect/save money little by little. When the amount of money reaches the expected target, we can use the money for building farms, crypto investments, or any other purposes. There should be another way to collect money, try to avoid borrowing money.