our money is based on "buy now,pay later" model, there's no incentive for people to pay upfront.

the way to break this cycle is not going in debt in the first place, if you can't afford it, stop crying and admit it, and start saving by living below your mean.

nothing changes if nothing changes.

it's becoming increasing annoying seeing these unproductive people crying for more help from someone that doesn't even care the existence of them.