Definition: Given a real-life anecdote of a complex ethical situation, generate a suitable title that describes the main event/root cause of the situation. Imagine that the given text is a social media post, and you have to write the title of the post, so the users can decide to read the main text or not.
Input: My wife and I are a married couple in our 30s with two young children. I am the sole income earner and although I make a good living (approximately 150k annually) overspending and some unexpected expenses have put us in a bit of a tight spot. We need to come up with some money that we don't have in a relatively short period of time. 

My preference is to simply get a loan from the bank for the amount that we need. My wife wants us to ask her parents for an interest-free loan. She wants to avoid paying interest and believes borrowing money from her parents is a better option.

While I acknowledge that avoiding interest is ideal, I absolutely do not want to borrow money from my inlaws. First, I would be ashamed to do so as I've never been one to borrow from friends or family and feel I might lose respect in the eyes of my inlaws. Second, my inlaws are rather judgmental and have already criticized our spending in the past even when they didn't know we were having any financial problems. I don't want to be in debt to them and such a situation would be extremely uncomfortable for me.

I have pretty much decided to borrow from the bank. My wife is upset and says I'm not doing what's best for our family. Am I the asshole? 

taking out a bank loan instead of borrowing money from my inlaws