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.
No individual or country can be self sufficient in this world self sufficiency is a myth. Borrowing is not wrong or a sign that the country or individual is doing bad with management,
You can borrow to increase efficiency. If as an individual or country you want to borrow you've to do so for the right purpose. It is when borrowing for the wrong purposes that makes borrowing go wrong.
You can borrow to fund or raise a business, get profit and repay the loan with the interest at ease. It is in the opposite that it gets messy borrowing.