if you really need the money, then the loan is the last way to it. but, to stay away from it, it is better to try to save and invest for the time being, because it will save you from debt. when you're in dire need of money, the savings that you have become the primary choice that you have to use it, and it could save you from borrowing, and risk.
Too bad because people actually see taking a loan is the best and first way to get money. It takes you just an instant, to get a loan using your credit card. It takes an instant as well when you're going to the bank and ask for a loan that's appropriate with your salary range.
People like instant solution to their problems so they take a loan. They can just work for it later. You wouldn't die tomorrow, so you'd probably be able to pay for that loan anyway. The only problem is that getting a loan or having credit solves your problem so quickly that people would start relying on it and use it whenever a problem goes in the way.
They are the people that end up in debt, but never in jail because there's no law about people that have debt. Only problem would be you might end up selling your house or other properties that you actually need just to be able to pay so much debt.
