> 4a: You can't be sure of that. The court can always decide (and I've seen many analogous situations in which it did) that your debt is not valid, it was oppressive, it abused the customer needs etc. and so you lose.
Most people who take loans in situations like this are members of the community and are grateful for the opportunity. There’s always a level of write-off, but the system doesn’t need to guarantee total repayment.
Most people who take loans in situations like this are members of the community and are grateful for the opportunity. There’s always a level of write-off, but the system doesn’t need to guarantee total repayment.