Barretts Net

This week I am interested in your opinions. Generally on borrowing money.
Is borrowing money a bad thing or a sad modern day necessity? Should we be approaching banks for loans or asking our friends? Or how about some of these new same day loans online companies?
Generally I am just curious about the changing attitudes to all of this. Generally in Britain we seem to be quite a proud bunch who would never borrow anything even if it meant literally living on the breadline, but recently I have noticed a massive influx of credit card adverts, bank loans ads etc not to mention the numerous websites and so called cash for gold schemes. Is this a sign of the changing times?Image: jasonblait