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.
Ending up in this situation means that there were wrong decisions along the way. Even if a crisis hits, if the government was efficient enough to prepare then they would not need to be borrowing so much or at all.
The problem is I think borrowing becomes a cycle. Like if you borrow for a crisis, the money you make will just be used as payment but of course you will still need money so where will this leave you? Borrowing again? As much as possible, government or just an individual, avoid borrowing.