Polonius had some sage advice for his son Laertes as he left his home in Denmark for France:
“Neither a borrower nor a lender be;
For loan oft loses both itself and friend,
And borrowing dulls the edge of husbandry.”
This advice would never be applied in modern commerce which would immediately collapse if all institutions followed it.
The first accountant that I ever worked with was horrified when I arranged for a monthly account with Myer at the age of 20. His philosophy was that if you could not pay for something now you saved up and bought what you wanted when you could afford it.
He was even more horrified when I suggested that our company leased a forklift because that told the world that the company couldn’t afford it!