Good point about health, did not consider it on my answer, but in general only borrow to buy tools or in a survival situation. Else wait, or increase your productivity with more skills, knowledge, network or tools.
To be honest, I don't like borrowing money from anyone, not even from banks, although I know I would pay it back with actual work or anything else. It's still risky, so I prefer not to borrow at all. However, sometimes in life, you may be in dire need of money or in situations where borrowing is the only option. In cases of medical treatment or other serious situations, it's understandable to borrow money. But borrowing money for things that you can't afford to wait for is not something I see myself doing.