:-\
You tend asking questions more for life then for gameplay. How much money you should have,when will I be punished for doing something bad,
and now : should I take out a loan ?
Well, like in life ,it always depends. What are you planning to do with it? How much money will it cost you (interest situation?) How are you planning paying it back?
You really should start to ask more specific, detailed questions to get better answers than this one, because only specific, detailed answers will really solve your problem.