Stupid Idea

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Have you tried borrowing money from banks or from lending companies? Here in my country Philippines there are a lot of of lending companies. They have a lot of advertisements where you can see on youtube or any social media platform like facebook or google popping up. There advertisement is to persuade people to borrow money. And then the crazy or stupid idea is when these people can't pay their debt a.k.a. Loan they harass these poor borrowers. It was the fault of these lending companies persuading people to borrow. Have you tried borrowing from a lendign companies and not pay your debt or you had late payment LOL What's your experience.???