> those who intentionally refuse to pay their debt when they have the resources to do so Having resources and having resources to spare for paying creditors ar

> those who intentionally refuse to pay their debt when they have the resources to do so Having resources and having resources to spare for paying creditors are two different things. You can't hope to pay off your debt long-term if you don't buy food in the meantime. That's an extreme example, but the same principle applies to clothes for interviews, transportation to business opportunities, and, yes, possibly high-speed rail travel. An individual can't pour every yuan they get into paying off debt, or they'll end up in poverty (or worse) and their debt will have no chance of ever getting paid. Everybody loses in that scenario.