If I borrowed 500,000 U.S. dollars 20 years ago, my salary was only 1,600 U.S. dollars at that time, and it will take 30 years to pay off. Now I have repaid about 600,000 U.S. dollars, but my salary is already 16,000 U.S. dollars. If so, I will borrow. A lot to invest. There are some unofficial loan companies whose customers have not paid off their loans, but the loan company has gone bankrupt.