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How do you understand "The collapse of adults begins with borrowing money"?

In the movie "Flying Life", there is a particularly heart-wrenching sentence:

"The collapse of adults all starts with borrowing money."

Only when a person has no choice but to borrow money from others in a low voice can he truly understand what it means to be unable to do what he wants and what it means to be struggling.

The reason why borrowing money makes people collapse is because the lack of money will make one deeply feel what it means to be alone and helpless. On one side is the helplessness of being forced to a dead end, and on the other side is the desolation of having no one to help.

For the person you are borrowing from, if you don’t lend the money, you will complain in the other person’s heart, feeling that you don’t trust him, you are unwilling to help him, and your relationship with him is just a plastic flower;

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If you lend money to him, you will feel resentment in your heart. You always don’t know how to speak to get the other person to pay back the money. You are more nervous than he is when meeting the other person.

You said that the relationship between the two broke up because of a little money. How can you not make people collapse?