So could you boil down your argument for "limiting circumstances" for me, then? i.e. X is bad because Y, etc. Credit exists because different people/entities h

So could you boil down your argument for "limiting circumstances" for me, then? i.e. X is bad because Y, etc. Credit exists because different people/entities have different time preferences for money, which is a value differential. Sure, this can be influenced and skewed based on life-circumstance. e.g. one of the posters in this thread noted how "10,000" in debt helped them get through a very troubling time in their life and how they're very grateful they had access to it at the time. Are you going to say that it was "not okay" that the creditor helped him with that? Are you saying that they should have given him/her the money for absolutely no reason, no profit, nothing? Are you implying that lending is okay if it's for charity? What, really, I can't even fathom how you can hold your opinion as logically consistent.