It's not okay to put yourself into a bad situation.
It's the end of the month and John does not have quite enough money to pay his rent.
John wants to get the money he needs for rent.
John works a few extra hours at work in order to make the money he needs.
John takes out a risky high-interest payday loan in order to get the money he needs.
John remains debt free and is able to pay his next month's rent on time.
John goes deep into debt and his credit rating is negatively affected.