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.
I can't through your words completely because it is also true that there are many big startups whose journey started with loans, the thing is that if they had not got loans, they might not have been able to reach their current position.
This is the same in the case of global giant startup companies, just as if I know the background history of some of my local big startup companies, they also expanded their businesses with loans. In this case, the point is that your loan should be logical because nowadays, apart from emergency situations, people take out loans just to show off, from buying phones to cars.