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.
After taking the loans for pleasure and lifestyle hope they have the means of paying them back because we cannot forget that part of it and with interest too. If someone is going to take a loan for investment knowing fully well that it will pay itself back or there is a source of paying it back before ripping the earnings from the loan later is ok but just taking a loan for pleasure, I don't see a sense in that.