I really do not believe in lending and giving back. I am not selfish and when I give "borrowed" money I am aware that I probably will not get my money back, not all people have the good sense to pay what they owe.
The fact is that we spend a lot of our lives turning attention to credit. Perhaps loans are almost the only way for many people to solve their problems or pay for what they want. Proceeding from this, we voluntarily hang ourselves on the neck of Yarmo, as credit debts.