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.
It is a loan trap. You will get difficulty in getting out of the debt cycle if you don't take an extreme action by stopping the debt/loan. In some cases, we must sell our lovely goods to pay the loan, maybe selling our motorcycles, cars, or lands. But after the loans/debts can be solved, I'm very sure that we will have a better life again.
It will never be easy to manage the financial in a proper way. People have the natural desire to feel interested in many things. If we can't deal with the desire, we may get trapped on the loan because it requires big money. When we have limited money, loan is one of the interesting solution to do. That's why people who have bad control on their desire, they easily got a problem on the loan trap.