What's more, ants spend a lot of money. You can't say that you want to buy a house and then borrow money from Ant Flower Garden. Even if you want to borrow it, people won't lend it to you. So many people use flowers because they haven't disturbed their relatives and friends, and they won't be polite to them if they really need them.
What's more, it is more convenient for ants to pay back money. On Alipay's bill, you can easily pay back the money with a few clicks of the screen. If you borrow money from relatives and friends at this time, you won't be able to meet people for dinner.
Everyone wants convenience. If you don't bother, you don't bother. What's so hard to understand?