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.
Well, if we all had been born rich already, nobody would commit to loans and huge debts. But it's too unfortunate that we don't have such a destiny (rich). That is why we think debt is a useful tool for us to grow. You borrow money and start a business. While we want to grow our business, we need to borrow again.
AFAIK, even rich people have loans—good loans. But why? This is because they don't want to use their personal money. Instead, they use the money of others to make more money.
It all started with loans, debts, or borrowed money until we reached financial stability. But still, the system never stops.