Why can’t you not pay your debt until you die, sure the interest will be insane but they can’t come after you if you’re dead
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If you stop paying people back, no one will ever lend you money again. No more buying cars or houses, no more renting apartments, no more credit cards. Your paycheck may be garnished, leaving you with pennies to live on.
I guess if you have kind relatives who will feed and house you for free, you could make it work. But if they kick you out or die or something, you’re homeless and starving.
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