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.
There is no other choice, it is a logical reason in my opinion, as well as for everyone, even though I am sure that no one wants to borrow, especially with high interest, but for someone it must be done to meet needs or urgency and there are also those who borrow to advance a business, I think that is normal, but again, it comes down to the goal and the solution, there must be careful calculations so that the loan can be repaid.