For a country or an individual that is self sufficient and economically intelligent, borrowing does not occur for them even in crisis situation, not bad to get a support, but borrowing definitely do more harm than good most especially those credits that come with high growing interests. The best thing in this situation to avoid borrowing is to have an emergency founds a d multiple cash flows, so countries and individuals need to be more productive to avoid unwanted borrowing that eat up their savings and revenues in the long term.
Understood you are try to be financially careful and not accumulate debt that may land you in trouble, but do you know the very rich does the opposite?
Infact the very rich borrows all the time, if they have a big investment plan they go to the bank for loan, want to get a luxurious property they got to get a loan.
They hardly take anything away from their assets this is how they are able to remain super wealthy and also avoid tax.
Borrowing is not the problem but not having income and lack of discipline is the problem. You can actually make borrowing work for you with the right strategy.