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.
Of course, borrowing can be a good thing and a solution if the goal is to make money, such as starting a business or becoming an entrepreneur, and also for investment if the investment has the potential to generate profits and you have expertise in that field.
However, it's better to borrow if you don't have sufficient capital, and the loan amount should not exceed your existing capital. And whenever possible, borrow after you've made every effort to increase your capital. If you're still short on capital, there's no harm in doing so if it's a solution. This goal is to reduce the burden of debt payments compared to the profits you generate from the good goals I mentioned above. You also have the ability to repay the loan if your profits are small, or even nonexistent, because we never know what will happen in the future, and this must be considered and taken into account.