Finance is a great tool if you use it correctly. If you are an idiot its very dangerous as quick credit is easy to get.When you can't afford the repayments, whe you don't understand about interest and how it adds to the amount you need to repay, when you don't understand the consequences of not repaying, when you agree to grossly disproportionate interest rates etc.
Someone I know credit card hopped to build a rental unit on his land, probably cost him a couple of hundred quid in fees at the very most. That unit now pays a substantial amount a year in rent which is more than the average yearly income in the UK and will do forever.
The other side of that though is me and the wife used to quite often get called into helping her sister with various financial problems. One of which was her friend who was furious with a kitchen company as she had a new kitchen fitted 2 years ago and had rang about the repayments. She thought after 2 years she had it paid off but found out she still had 3 years to go, she didn't even know what the final value of the credit was and had just looked at the monthly payments and signed it.
Unsurprisingly we told her there's nothing much we can do to help 😂