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 bad, but your reasons for borrowing determine if its worth it or not. For individuals taking a loan for an investment is good, because your investment or business will generate profit and it can be used to service your loan and hopefully break free from it, but taking a loan for luxury use, I don't thinks it's advisable.
Countries definitely need to borrow to help it develop, because I have never seen or heard of country that develops without borrowing. So it's very important for such countries to put the money borrowed to good use, so it can help develop the country.