If we're going to use borrowed money to do something good, this is normal. Sometimes, capital may not be sufficient to start a business. We can raise sufficient capital by borrowing money, but the key here is to be certain we will make a profit. If we don't make a profit, repaying the borrowed money can be difficult. In such situations, it's essential to proceed with a solid plan.
As you mentioned, implementing these decisions isn't easy and requires thorough research. Business owners or individuals should proceed with a plan and strive to make the right decisions at every step when starting a new business.
I agree with you, many times it seems that you don't have the money to invest but you have the plan, ideas and skills to execute a successful business. Moreover, in emergency situations, I think you can take a loan. There is nothing wrong with that. However, when taking a loan, you should carefully check the amount before taking it so that you don't end up on the street if the business is unsuccessful.
And also we will call taking a loan bad only when it is for gambling or trading or to live a luxurious life and always I am not going to prefer anyone to do this.