There are so many people who have kind of wish that they could be enough with their monthly income which means that they do not have to find difficulty when it is not enough so they have to find kind of money assistance.
Maybe they afraid that they have to live with extra load to pay the loan back if they could not make their income suitable with their need after all. Of course there are some people who could live properly with their salary only because they could avoid many kinds of temptation out there.
Unfortunately, there are more people who have to suffer of the duty to pay the loan back because they could not control their selves for buying something they want but they do not need actually.
Of course people have to control their desire so they there is no need to be friendly with the loan after all. However, there is nothing wrong if they take the loan for kind of important and needed thing such as building a house, buying a car, or establishing their business.
It means that credit or loan could help them be healthy with their financial situation as long as it is used for proper thing especially the most needed thing for sure.