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.
Borrowing do much harm to anyone or nation because borrowing is like putting your future generations in danger as the effects of borrowing are not that good for countries so countries must device a way a look for a way to solve their problem
Borrowing reduce the value of value of the currency of anyone as well as opening the borders of a country to foreign influence and manipulation in the long run so borrowing is one thing that is advisable