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.
I will agree with you that borrowing does more harm than good, and if it is a third world country then things are even worse there. Especially the people in the government of that country borrow money at high interest rates to develop the country but a huge part of that loan money goes into their own pockets through corruption. And this really makes a country more crippled.
However, it is also true that there are many countries in the world that cannot move forward or operate on their own without loans, so they have no other choice.