Mark Twain said, "A Banker is a fellow who lends you his umbrella when the sun is shining, but wants it back the minute it begins to rain."
What does this mean?
It means bankers are risk adverse. They will loan you money when things are going good but are likely to call your loans if you have a bad year on the farm.
So don't borrow!
Don't use loans or credit cards as your emergency fund.
Use cash for emergencies, which means you have to save up for a rainy day.
Wisdom that your grandmother would have given you.
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