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    Tom if I'm honest I dont understand your post, real money, unreal money, top-down greed, hypothetical scenarios.

    To me its clear, a person applies for a loan of his own free will, he knows very well that at some stage he'll have to pay it back and the problems that arise if he doesn't.

    To me its your attitude of absolving people of their responsibilities that creates the problem; as I said earlier, if we all threw our arms up in the air where would we be?

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