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.
Everyone dislikes to borrow money, but sometimes, situations push them to end up borrowing money. No one borrows money when they have savings that can solve the problem unless it is a money needed to invest in a business which they are sure of the outcome and you get the money through a loan from the bank.
Lack of savings is also the reason for borrowing money, and no one borrows money for pleasure except to solve some crucial things and emergencies. At times when one doesn't have a capital, borrowing money is the only option to invest in a business that can yield money.