The amount matters as well. I won't blame someone who borrows money for investment if they borrow $1000 from the bank, but their monthly income is $10000 with no debts and they possess assets like a house, car, and gold. It truly depends on the circumstances when it comes to borrowing money for investment or business purposes. If successful, you'll reap the benefits, but if not, you'll only lose a small portion of your money.
It is illogical, someone will apply for a loan that is higher than their monthly income because if they apply for a loan of 10% of their monthly income then it is better to wait for the next month's income than to pay interest on a bank loan, usually they apply for a loan higher than 3-5x of their monthly income and they choose a time to pay off 1-2 years.
No one truly knows the essence of each person's character when it comes to pursuing their desires. In fact, there are numerous 'unusual' individuals who continue to lead remarkable lives, defying conventional norms, and achieving even greater success. However, it is crucial to exercise utmost prudence when it comes to enlarging one's debts, ensuring that their value remains beneficial to our financial well-being.
Therefore, what I have conveyed still holds true for me, and perhaps others may struggle to embrace it.