Debting is not bad. what is bad is using the money or any other debited material in wrong way and issues. Let's say you've debited money in the bank for house construction or business expansion, and the first thing you do after getting the money, you buy a nice car, smartphone or have some leisure in a hotel at least half of the money is finished and you fail to accomplish what you debited money for. Then the problem was not that you debited money, the problem was that you used the money in wrong and unplanned issues. Better use money in benefiting issues than crediting issues. Thanks this is my idea @michiel.
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