From Hamlet:

Neither a borrower nor a lender be;
For loan oft loses both itself and friend,
And borrowing dulls the edge of husbandry.

The delightful Theodore Dalrymple also knows why we are in this financial mess; read it all Here

This anecdotal extract mirrors my experience with bankers exactly:

Shortly after I opened an account there, forty years ago, I received a letter from the manager drawing my attention with some asperity to the fact that my account was almost $5 dollars overdrawn, and that he trusted that I would soon rectify the situation by the end of the week. Forty years later, when I was again overdrawn, I received a telephone call from the manager – the bank’s motto being ‘Don’t call us, we’ll call you’ – asking to see me. Indeed, the manager said he would come to my house.

Gosh, I thought, now I’m in trouble. When he arrived, I told him that I was about to pay the amount by which I was overdrawn into my account. He looked extremely crestfallen.
‘You mean you don’t want to borrow more?’ he said. ‘I’ve come here to offer you more.’ A wasted journey, obviously.

A short time later, I went to my bank to borrow money to buy a house while I sold another. Within five minutes I was offered a sum the like of which I had never previously handled, and in excess of anything I needed. While it was smaller than my total nominal assets, as I enumerated them, the bank made absolutely no effort to verify that I was indeed the owner of these assets.

With a large loan outstanding, I continued to receive, about every month or so, offers of a further loan of $50,000, no questions asked and mine for the borrowing by mere telephone call, just in case there were any little extras or extravagances I happened to feel like treating myself to (but apply now, before next month’s offer of precisely the same thing!). The principal example given of the little extras or extravagances to which I might want to treat myself was the holiday of a lifetime.