Whether bankruptcy is necessary to capitalism is irrelevant to your point > You must have a way of paying the debt back, or you wouldn't have been able to obt

Whether bankruptcy is necessary to capitalism is irrelevant to your point > You must have a way of paying the debt back, or you wouldn't have been able to obtain the resource you did on a promise. I am stating that some people _don't_ have a way of paying the debt back, and yet they have been loaned to, incurring debt, and thus ruined (as the parent you were originally replying to suggests)