When you have a new born idea that you want to invest in it's better to start without a loan but when you want to put money into things like big investments e.g real estate etc you have to be smart to borrow some money and strategies how you can settle all that without dispute. thinking of how smart one can be to borrow and not pay back, you're definitely on the wrong side because if you do you will not go free, do you think someone will just open a bank without having his root on how to get money back if not being paid as agreed? you must be dreaming of you think so.

Just don't try to over smart yourself if not you will get stuck somewhere that you won't escape.