When saving poeple have a plan in mind to deposit maybe so much a monthly or weekly but this doesn't always go to plan as they may have other priorities so this may mean they dont have the funds to be able to put away. When you have savings you may also fail to keep up with the deposit payments if you have continues access to be able to withdraw from that acount .
In my opinion I think borrowing is not always the right solution as when you borrow money For example: you may borrow £200 and may have to pay £400 due to interest. Also borrowing often gets people into more debt as poeple dont have the funds to pay back the money they borrowed in the first place.
In my opinion borrowing isnt always the best solution for somebody that has money issues for example if you was to borrow from the bank this could mean you may have to pay more back in charges and this wouldn't help somebody that was struggling hence why they had to borrow in the first place.