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 worst time to borrow money is when you are in need or in crisis. If you have an option that can make you ensure that phase it's best to avoid the loan taking that loan is not going to solve anything instead it's only going to make it worse. If rich people can get into debt problems how do you think someone that's poor can handle it especially if taking loans that has to do with paying back interest