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.
Borrowing is not a bad thing especially when the borrowing is being channeled into production of economic goods and services. The only time I see that borrowing is not good is when you are borrowing for consumption purposes, and funding of luxurious lifestyles. Even the biggest companies and nations do borrow money for production and upgrading of infrastructures. Before you borrow money ask yourself if the business you are borrowing for can produce the required profits needed in servicing the loan. Sometimes one needs to borrow to expand their businesses and boost sales, thereby generating more profits.