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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.
I agree that not all loans are bad - the difference is the purpose. If the main purpose of the loan is investment, you'll likely need to provide some documentation, including monthly payslips or other evidence, as banks won't wait for investment returns to repay the loan. Borrowing for lifestyle is obviously a bad idea - but some people also borrow to survive.
If someone wants to take out a loan, they need to ensure their cash flow is not hampered by monthly bills. Banks require several documents as collateral and your application may even be rejected after they review the documents. In my opinion, not borrowing for investment is a good idea, meaning you shouldn't force yourself to invest when you don't have the money.