Most times people borrow relatively for the very wrong reason and at the end of the day get stocked in their debts
And end up wanting to borrow more.
Answering your question, I really don't think taking of loan especially for the right purpose is addicted especially if debtor has a good repayment habit and I've gotten loan in the forum for the third time and I always make sure I clear up my loan and the major reason for the loan was for my treatment and since I don't want to ruin my account or have a reoccurring interest to pay, I always make sure  to clear my loan as soon as possible even before the due date if possible.