Borrowing is not bad when you talk about personally or in business, you can borrow for personal reasons doesn't mean that you won't pay back because as long as you have something doing you can pay back, for business purposes it's advisable to borrow what you know you can pay back depending on the project or business at hand, if you borrow more than what your business can generate you may end up paying with your capital
Exactly. Borrow it but don't get too comfortable borrowing.