If I understand correctly, then if one generation borrows money, the next generation will still have to pay if the borrower is faced with death, but this is a personal loan concept that is carried out by each individual. If it is broader, it can be simplified, the government that is currently elected starts taking loans and even though its term of government ends, the next government will also have to pay the debt.

The reasons for the need for borrowing can vary and generally the government says it is to make some policies in terms of infrastructure development. But if they are wrong in their calculations, the debt that is taken will not solve the problem and not to mention a corrupt government that will result in a greater gap.