Why borrowing money from online loan app are danger

One day, i needed money, so i took out a loan from fairmoney #7500 and bought a short, i never knew that borrowing from online loan apps require you to be working, so later when due i borrowed from branch, to pay back, then downloaded another loan, app and took out 70k which was later frozen in my firstbank account, since then i went into default, and receiving calls from loan collection agency, since then i lost focus, so all i have been doing is just begging them, so i don't know how to do it.