Most likely, it’s a wrong management of finances. Although taking a loan sometimes may be inevitable, but if you are doing it regularly and seems like you rely on it on every financial problem that arrives, then I must say you’re actually not doing the right thing. Do not tolerate yourself because in the end, you will only see yourself drown into debt.
Instead, save a little no matter how you find it hard to save. Manage your finances wisely, even if it means being deprived with comfortability in life but as long as you do it for future benefits, then it’s definitely worth doing.
Being trapped in a situation where we have to look for loans in order to pay other debts is indeed a trap that sometimes makes us someone who is difficult to make changes but on the other hand it is difficult to get out of a zone like this if not with a strong desire to make a gap and improve yourself.
Money management is sometimes very easy to say but difficult to do especially for those who are in a low economic strata that requires them to take loans so that they can still survive in a hard life like now but I agree if indeed the tendency to borrow money actually makes your risk of destruction stronger.