It does not depend on the bank's interest rate, it all depends on your ability. If you have a job and can repay the loan even if your investment fails, an investment loan may be considered. Borrowing money for investment or business is not recommended, but if we have a plan for it and can pay off the debt, we can try because there is no success without trade-offs, I agree with your argument. But we need to know how much our ability is, don't be too greedy or too subjective, otherwise, we will have to pay dearly.
Borrowing, of course, is something that looks easy to do but can also be difficult to get, because it is likely that the bank that provides the loan will see how much ability the borrower has, whether he will be able to repay the loan or can he have greater collateral than the loan made, or already has a job. so you can pay it every month.
In my opinion, borrowing for investment and business can be done as long as the loan installments can be paid every month from the results of the work done, or later it can be returned from the results of the investment or business that has been carried out. agree with you that if you want to borrow, you have to also do a calculation of whether we can repay the loan later, keep borrowing according to what you can do, if you anticipate wrongly, you will be entangled in debt problems.