Plagiarism is dangerous. Plagiarism according to Merriam Webster’s Dictionary (Online) (2016) refers to “the act of using another person’s words or ideas without giving credit to that person: the act of plagiarizing something.”
Furthermore, according to Wikipedia (2016), plagiarism refers to “the ‘wrongful appropriation’ and ‘stealing and publication’ of another author’s ‘language, thoughts, ideas, or expressions’ and the representation of them as one’s own original work.”
Yes you can use other people’s ideas, but it is noble and ethical for you to reference. 
You look more authentic when you can tell us who said what, then you tell us your own understanding.
Otherwise, if you take people’s ideas and work without citing or referencing, it has many bad effects: 1. You lose credibility. People do not trust you again because they do not know when you write or speak your own or when you use other people’s ideas 2. you commit a criminal offense called plagiarism, which means you have stolen other people’s property (intellectual).
Plagiarism can result in you being sued in court.
When you read books by great people such as Robert Kiyosaki, Donald Trump, John Maxwell and Bill Gates, you still see them citing other writers. But why is it that in Africa authors pride in taking other people’s materials without citing?

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