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.
The things you say about loans are correct, but sometimes it is seen that if we have a little money, we can complete our work, and it will not be difficult to repay this loan later. If we can complete our necessary work by taking a small loan for such a small matter, then it is good to do so. You should consider whether there is any guarantee that you will be able to repay the loan you are taking in the future. If you can repay the loan nicely, then you can take a loan.
If taking a loan increases your difficulties in the future and this loan is not the end for you and you have to take a loan again in the future after paying the loan, then it is better to refrain from taking such a loan. Although taking a loan does not sound good, it is seen that sometimes when you are stuck in your daily life, you have to take a loan.