When you express strong-willed. 私は決して（or 絶対に）お金をかりません。 いつも means that "at any time".

It's a really interesting question. First, I would say it's wrong in this case. I think there are times you have to use 全く（まったく）or 全然（ぜんぜん）to indicate "never" instead of いつも. For example, if you were to say "I never do my homework." you can say 「私はいつも宿題（しゅくだい）をやりません」. But in your case, it's more correct to say 「私は全く(or 全然) お金をかりません」. I think いつも more like is used to articuate someone's or something's habit or routine rather than being used as "never" since you can use いつも in positive sentences. Let me know your thoughts!