I guess I will tell that to my employer who started his business 10 years ago with a bank loan, paid it off and now makes well over a million dollars a year and my sister and her husband who borrowed money to buy a new building for their business and paid it off in 2 years instead of 10 with the increased revenue.

On a smaller scale, I had to borrow $300 from a pawn shop (at 68% annual interest) to get the tools I needed to go from being a day laborer at $3.35/hr to an electrician apprentice at $12.50/hr. The $60 I paid in interest for that 3 month loan back in 1983 was made up in less than 1 day on the job (pawn loans always costs what they would be full term even if you pay them back the next day).