On the subject of borrowing no one has said it better then Henry David Thoreau in "Walden",
"Near the end of 1845, I borrowed an axe and went down to the woods by Walden Pond, nearest where I intended to build my house, and began to cut down some tall, arrowy white pines, still in their youth, for timber. It is difficult to begin without borrowing, but perhaps it is the most generous course thus to permit your fellow-men to have an interest in your enterprise. The owner of the axe, as he released his hold on it, said that it was the apple of his eye; but I returned it sharper than I received it."