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.
The only problem is, your basic needs expenses exceeds the amount of your income, that’s why it’s impossible to save when you even find it hard to make ends meet. But if you are wise enough, regardless if you have multiple flows of income or not, saving for emergency funds is a must. That prevents unexpected borrowing in the future, because you have set aside some funds already when financial crisis comes.