Everybody should think about taking out loans like that, borrowing money doesn't make us richer, it only makes our liabilities grow. There are some situations where taking out loans are necessary, for example if we need short term money for medical reasons or for urgent repairs at our house or apartment. These are all necessary things and if we don't have any other form of funding then taking out a loan is the last resort. We need to be focused on how long repayment is going to be and how much money we have to pay each month. With that in mind it should be a negative experience and we shouldn't become addicted to it. Addictions usually come through positive emotional responses we get from experiences, which is not going to be the case with a loan that we have to repay for the next 5-10 years.
Some people take their loans to investment which is risky since there would be always a risk involved when you invest your assets especially when you invest the money that you can't afford to lose. And I'm with you, taking loans for emergency purposes could be a good decision as long as you know what would be the impact of taking a long to your everyday needs since you have bills to pay. It would be just a burden to people if the loans payment would be years despite the long payment and small since interest would be always applied to it. Before taking a loan check if you could repay it in just a short time and wouldn't affect your living.