"THE BORROWER IS A SERVANT"!...............(Proverbs 22:7)

Here, the scripture is very clear!  It speaks volumes to both the lost and the saved!  It doesn't say "if you borrow it may lead to bondage"; the truth is "if you borrow you are ALREADY a servant"!
(John 6:24-"No man can serve two masters....ye cannot serve God and mammon (or money)".  *Many folks are trying to do just that!  The almighty dollar rules their life!....it dictates wether or not to give to the church.....it decides wether or not to spend more time with your wife and children.....for others, it places a career above the importance of hearing God's word preached on a Sunday morning with your family.
When the Lord demands obeidiance, then the "borrowers" get out their calculators to see if they can AFFORD to do what's right....the truth is, YOU CANNOT AFFORD NOT TO DO WHAT'S WRONG!!!
(1 Tim.6:10-"For the love of money is the root of all evil: which some having coveted after, they have erred from the faith, and pierced themselves through with many sorrows.")

(read-Acts 5:1-6)  *Annanias and Sapphira were more concerned about their MONEY PROBLEMS than doing what was right in the area of giving to others!