If someone has experienced the ease of taking a loan then he will continue to take a loan for pleasure and lifestyle, nowadays people take loans not for needs or important things but mostly for fun and lifestyle, this is because social media makes everything possible. chaotic.
Only short-sighted people take loans for fun or to satisfy their lifestyle. Because it is very unwise to make a loan, unless the loan is used for doing business or it could be that such a person has a monthly salary where he works so he dares to take a loan to buy luxury goods which he then pays off in accordance with applicable regulations. So it's not always bad, although it would be very wrong if someone who dared to take out a loan didn't have a steady job himself.