Borrowing money will make us uneasy with loans and will also make us a burden on our minds, where when we start investing but haven't made a profit, we will continue to be haunted by loan collections. Over time, we will feel uncomfortable with continuous collections. It's safer when we get investors where the profits are shared by both of us as well as the losses we bear equally, and the advantages of our investors are continuously monitored and given good input for our good in trading.