Встреча разговорного клуба английского при НИУ ВШЭ. Topic "Borrowing Money and Debt"

Do you think borrowing money is sometimes necessary?
When is it okay to borrow money from friends or family?
What are the biggest risks of borrowing money?
Is it better to save money or use a loan?
How can people avoid getting into debt?
Should friends always lend money to each other? Why or why not?