Frankly speaking, it has never be in my nature to borrow money, except if situation compel me to do so, and if it happens, it's not everybody I can borrow money from. We all know that when it comes to money, there's nobody that don't borrow it. Even the federal government of most countries do borrow money.
But my major concern, when borrowing money is, me been able to pay back in due time. I am not the type that likes owing people money. And whenever somebody borrows me money, I often feel indebted to that person, which would make me not to be free as I used to when I see the person.
For this very reason I usually find it very difficult to borrow money, and if I do I ensure that I pay back as promised, so that I don't lose my integrity become of money.