> People borrow for much more than basic needs and they do so voluntarily without anyone forcing them. People can be forced without there being an "anyone" to

> People borrow for much more than basic needs and they do so voluntarily without anyone forcing them. People can be forced without there being an "anyone" to do the forcing. Being underemployed in some expensive city, unable to make your next car payment that you need to get to your job doesn't require an "anyone" to force that person into a loan at gunpoint. They're still being coerced into that decision, even if there isn't an "anyone."