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.
For people who are struggling in the business world, taking loans is something common. They are also not careless in taking loans, they will consider it very carefully so that the loans they take will not be in vain or even become a problem in the future. The bigger a person's business or business, the bigger the loan they will receive. They must also know very well what risks they take before they take loans and they accept them. In my country, we can see the amount of wealth owned by officials, and some of their wealth is in the form of debt. It's okay to take loans, as long as we have a clear reason. Don't let us take loans without any reason, especially if we use them for consumption and partying, I will oppose it. Because we have to be responsible for what we do, don't let it create a new problem.