I can feel it personally, when I receive a lot of credit account opening notices from different banks in my locality, even the outside lending services are very willing to lend just have some personal documents. Although I admit this is a good opportunity for us to try to get through the difficult times in life, it is clear that when we are stuck, it is not as comfortable as the burden in life, as the cases OP mentioned about suicide I can understand the reason for deadlock in life. So from the very beginning if we are all aware and well understood about loans, and responsible for the behaviors we create and how to handle things for life.