I guess that is a way of life over there. A huge percentage of adults still fall back on debt. It's much more comfortable for them because they are in an economy that appreciates credit loan to people for an increment in economic, social activities for the overall betterment of the country. In my country, Nigeria, owing is like a massive burden that has caused a lot of assainations, suicide and many others. In my opinion, I guess this credit loan given is for a positive motive but becomes negative when repayment becomes difficult. Credit loan will create incentives for people to have a much more comfortable life and increase the standard of living.