So what are the unavoidable reasons you have to go into debt then? Stay renting, live within your means (or that of the dole), and you will fulfill the basic needs of food, housing, and healthcare. Debt is your choice.
For every dodgy lending, there must be a dodgy borrowing. Blame doesn't validate my entitlements, market forces and my purchasing power do. Other people decide I am entitled to quite a lot, since I'm a hardout.
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