In Fact there are a few incidents which has changed my mind set altogether.
Because in the future you will always think about business and any other thing using only personal money without anything to do with loan problems. That is why I have never taken out a loan in any form as long as I can still try to achieve something that I want on my own.
In some cases, lending money is not a good thing, but if you look at it as a whole, I don't think it's fair if we judge it as a bad thing,
in business taking loans is not a bad thing as long as we can be wise and manage it well.