I think borrowing money repeatedly won't be a problem if you pay it on time, but the problem here is whether the person who borrowed can be responsible for what was promised? Since we don't know what goes through someone's mind after borrowing money from you and the responsibility to repay it on time, I don't think everyone has a conscience when it comes to paying debts or repaying loans he has borrowed.
If we return to the first post in this topic and then look through entire topic we'll see that the problem we discuss is exactly about if some take loan, then have problems with paying it off and then take another loan to pay the first one and so on. If someone has no problems with loans, pay in time and supposes he is okay with taking loans all the time it is just his choice. But what can the one who has problems with his debt do? And we try to advise at least not to take new loans not to get into a debt hole even deeper and try to negotiate with a bank or go through bankruptcy proceedings.
It is so easy when you have no problems, but what if you have?