Actually loan app was meant to serve as a rescue resources when we are out of emergency fund, but it's obvious that some people misused the opportunity. But I will like to say that anyone taking loan should take loan for a more reasonable thing and pay on time and avoid being embarrassed by loan app and blaming them for ones misfortune.
I disagree, I think we shouldn't take loans but learn to manage the resources that we have at our disposal. When the money we earn isn't enough, instead of taking loans, we should work harder by having multiple jobs and reducing our expenses. Taking loans isn't not a good way to live because loans are ways that the banks keeps us in debts as taking loans can get addicted and make us live beyond our income which makes us never to get out of debts but working constantly to payoff the debts and retake another one when that debts has been paid off.
The loans apps knows that people aren't wise hence they can use them to make money by giving loan to them, that's why they're making it very easy to take loans and when we do that, we're now working for them and making them money while you that's taking the loan keep staying broke.