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.
If they had an emergency fund, they certainly wouldn't want to take out a high-interest loan. Your statement is very confusing, of course, because I think anyone who wants to take out a loan means they no longer have a safe option to support their plans. You can prepare everything well in advance and have an emergency fund - this is obviously useful for you in critical situations, but what if you never really have one and you only have the option to loan?
It's certainly true that having multiple sources of income can give someone the opportunity to manage their finances effectively. They can set aside a portion of their income for emergency funds and long-term investments - but unfortunately, not everyone has more than one source of income. The average person has one source of income - their income only covers monthly living expenses and various bills.