You're right there, as long as debt is the talk because it will further bury us in poverty. We know that there are loans that are almost sharks if they pile up interest. So if we really plan to build a business or invest, it's better to have financial resources ready for it so that if the loss comes, you can handle it without stressing about where to get someone to pay for it.
Usually what makes someone slow in opening a business is the length of time to prepare financial resources when someone doesn't want to be stuck with debt or loans. Actually, the length of time to collect capital to open a business is not a problem, it's just that it encourages some people to invite one of their friends who also wants to develop the same business. So that they can immediately collect their respective capital to run a business even though in the end they will part ways honorably when their business is advanced.
I think it's better than having to rush with minimal capital and without careful planning, which will make it difficult for us to run a business, which in turn will spread to loans to keep the business running.
It's better to wait until we are really ready in terms of planning and finances than to make such hasty conditions. Indeed, when talking about business, it does not mean that with careful preparation, success will be guaranteed, but at least this will be better and will run better than making a business in a hurry just because we see a profitable business pattern but are not accompanied by the skills and capital we have.
I often see things like this in the area where I live when there is someone who runs a business (usually in terms of culinary) some other people my neighbours try to follow when the culinary business is smooth and profitable but with their planning that is not too mature because they only focus on the profits that their neighbours do it makes their business seem perfunctory and detrimental in the end.