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.
Borrowing and not paying it back can never be wise. I don't know how it is that someone helped you with a loan, but you ran away without repaying it. A lot of these are seen in the present day, and for these, it is seen that their relationship is destroyed over time. I have seen many times that the only thing responsible for killing a friendship or even a good relationship is the transaction of money. The transaction of funds means lending and borrowing. At first, he takes the money well, but it remains to be seen if he can return it on time. It can be seen that he does not give the money on time, which means he has to go around a lot to withdraw that money; then he says that if the following cash is given to others, how is it that it is seen in the present time and what else?
We have to change our mindset. We have to give back to those who receive money from us. Nothing can be taken from anyone unjustly. Only then will it be seen that some change is coming from here; moreover, there will never be any change.