I often see comments like this in online comment areas: No one forced you to borrow money in the first place, right? Now you can't afford it, so why bother to say it? If you don't have that much ability, why would you borrow so much money?

I often see comments like this in online comment areas:

No one forced you to borrow money in the first place, right? How dare you say it now that you can't afford it?

They didn’t ask you to borrow money. Now if you don’t pay it back after the due date, you are a deadbeat! Is it still reasonable not to pay back the money?

doesn’t have that much ability, so why would you borrow so much money? You just can't control your desires and spend money indiscriminately! It is natural to pay back debts!

pictures come from the Internet

I believe many people have seen such remarks, right?

These principles sound right at first glance, but I always feel like something is wrong? After thinking deeply, you can't help but want to know the answer, that is - why do so many people borrow money for ? And why are so many people overdue?

It can be said that now is an era of "universal debt". Isn't this an exaggeration? The clues can be seen from the wonderful annual reports of banks and other financial institutions, but what is the root cause of national responsibility?

I am not an economics major, and I don’t have as many theoretical foundations as economists in my head. I only rely on my personal knowledge to come up with the following answer: The root cause of universal responsibility is excessive commercialization!

What is urgent commercialization? I believe many people know it without me explaining it.

In the traditional sense, rigid needs include four aspects, which are commonplace: clothing, food, housing, and transportation.

In the modern sense, the following two items have been added to the rigid needs: education and medical care.

These six major needs run through the life of modern people. Except for clothing and food, which are affordable, the other four items are sky-high!

Pictures come from the Internet

Buying a house is a necessity, right? You can't get married without buying a house. After two or three generations of people emptied their pockets or scraped together a down payment, they finally realized their urgent need for housing.

If the location where you buy a house is far from your workplace, then there will be a need for commuting, right? Has the plan to buy a car been put on the agenda? In modern society, those who can afford to buy a car may not necessarily be able to afford to keep one. Expenses such as car loan, insurance, fuel, charging, insurance, parking, cleaning, etc. incurred after buying a car constitute the rigid needs of travel.

If you have a car and a house, it’s time to get married, right? So are the expenses for childcare and education coming?

What are the cheap things for children to eat and wear nowadays? Besides, if it’s too cheap, do you dare to buy it for your children?

In addition to these, children will have to pay for kindergarten, school, tutoring, various things the school asks to buy, and various activities to participate in, right?

Look at the current fees in big cities. The kindergarten admission fee alone can consume half of a couple's income. If issues like school district degrees are involved again, then I don’t know how much money I will have to pay. These expenditures constitute the rigid needs of education.

Pictures come from the Internet

When people reach middle age, various diseases slowly come to their doorstep, right? Nowadays, seeing a doctor is very expensive, and there are many fee items that are not covered by medical insurance. I don’t even say that everyone knows this!

Have better luck and grow old safely. If you have bad luck and are plagued by diseases, medical treatment becomes a bottomless pit that cannot be filled.

html Which of these major needs of a person is cheap? When you are burdened with mortgages, car loans, raising children, education, and medical care, can you still have money left in your pocket?

Many people know this answer very well. Many families don’t even have savings. It’s considered good if they can just make do with it.

When these items are targeted by capital, over-commercialized, and speculated at sky-high prices, it is the beginning of ordinary people’s suffering.

If you have no money in your pocket, you can endure it for a while, but how many people can endure it after three, five, or eight years?

So, capital appeared again at this time.

Capital tells everyone to learn to consume in advance! And the various loan projects are packaged in a very beautiful way, encouraging everyone to overdraw money in the future to achieve a happy life now.

Human nature cannot withstand temptation!

Many people can refuse once or twice, but if the number is too many, there will always be a chance of wavering. As long as you waver, it means that you are not far away from being in debt and using loans to support loans!

When you can't hold on, you start overdue, and then you are sued, everything in your name may be...

Unless you have an iron will + a monk's stoicism, it will be difficult to escape the harvest of capital. Everything in

has actually been designed long ago...