Borrowing is someone's addiction and someone takes it for their needs. so taking a loan is not always bad. we just have to keep in mind that we should avoid unnecessary loans. only then the loan will not affect us much. Sometimes loans also help us like during emergency. many times one has to fall into such a situation that one does not have any money but needs money for some urgent personal work. even then, loans are very useful for us. But unnecessary loans also harm us a lot
It won't be an addiction if we don't often take a loan. Mostly, we just borrow money for urgent needs. But if we often borrow money for useless things, surely it may lead to addiction since we may view it as an instant way to get money. So, we must avoid taking a loan too often and never take a loan if there are other options to get money. If we take a loan for investment purposes, I think it is not too urgent, so it is not needed. But if we take a loan for urgent matters such as hospital fees, it is no problem. Borrowing money is okay as long as it is really needed.