Loving one another is to be continued. Of course, one basic reason for borrowing is covetousness. Many people are in financial trouble because they have not learned to deny themselves anything. If finances are managed to the glory of God, then there will be a priority on Christian giving, and there should be money to help others. They believe that they will never get old enough to do anything.
Some parents seem to be pushing their children into adulthood and into adulthood experiences.
When Jesus was 12 years old, He went to Jerusalem with His parents to observe the Passover. Mary and Joseph went a day's journey back to Nazareth, supposing that Jesus was with some of their relatives. His understanding of the Scriptures was far beyond His years. Yet with all of His understanding of the Scriptures, He was not ready to start His ministry at the age of 12. Eighteen years was a long time to wait for a young man whose mind and knowledge of the Scriptures at the age of 12 was already equal to, or superior to, the most learned men.