This is probably how people who never pay their debts think. "It's ok if I am late with the bill, they will feel bad for me and never risk me reputation damage

This is probably how people who never pay their debts think. "It's ok if I am late with the bill, they will feel bad for me and never risk me reputation damage by airing out my debts". But in the absence of a sense of responsibility or obligation, shame might be the only thing that might work to make them fulfill their obligations.