"credit plays a positive and negative role to the borrower " explain with the example - Social Science - Money and Credit

Question

"credit plays a positive and negative role to the borrower "
explain with the example

Shvetika Sharma · Accepted Answer

While on one hand, credit benefits the borrower by augmenting
the income earning capacity, on the other hand, it can also have a
negative impact on the borrower in situation of inability to repay
the debt, thereby pushing the borrower in a debt trap

"credit plays a positive and negative role to the borrower." explain with the example.