Rich people are now thinking about developing their business, going into debt is not because they are not smart, by taking loans they are trying to expand their own business, that way they will expand their business network so that they can easily cover their loans, because the more capital they spend on expand their business, the more profits they can achieve, so thanks to their extensive network they can easily compete with the market, they take out loans after their market is stable and they can also allocate their funds well and in an orderly manner, they must also be able to organize financial management them as best as possible so that they are not harmed by the proceeds of the loan.
Of course, they already have a thorough speculation before they try to borrow a loan from the bank. Of course, their businesses have gone well financially or the profits can be predicted and from there they can cover each other or help with the loans. That's how successful people use their money to build their new business.
Many businesses are built on loan so I don't see anything wrong with taking a loan and using the money to get ourselves a better businesses that would be yielding profits for us. Many of the billionaires we are seeing today are on a steady loan to grow their businesses and because they do not have a start up capital to expand their businesses or jumping into another kind of investment, they would always need to get money from the bank to startup the business they want to invest in. There are so many small businesses we can invest in and make some profits for ourselves just like investing in Bitcoin and other cryptocurrency.