Why make a topic self-moderated, you don't trust the qualifications of moderators? I avoid posting in self-moderated topics, especially when the author is actively broadcasting a position other than neutral. Your position is definitely anti-Russian, it can be seen from your posts.

You don't need a PhD in economics to understand one simple thing. With all the desire, it is very difficult to go bankrupt, having a sharply positive foreign trade balance and a planned budget surplus. When you earn more than you spend, you don't have to worry about getting a margin call. This is a basic truth in the economy, something that you can reliably rely on and this soil will never leave you from under your feet. Your neighbor, who skillfully uses credit leverage and has a planned deficit budget, is likely to have a higher standard of living, he will have a newer and more modern car, a more spacious house in a more prestigious area, but in case of reputation problems and stains on his credit history - he will start in trouble, from which he can lose both the car and the house. But when you honestly earned yourself a car and a house, and paid for them in full, you can afford to give a damn about your credit history and not become a homeless pedestrian. Think about it at your leisure.