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You are absolutely very right. It's seems very easier to get loans than repaying back because that is the nature of the debtIt's extremely hard for most persons who are in debt to come out of it because they have easy access to funds and loans they can borrow and use.
That's very sad. ln my country then it's very difficult to get any permanent and pensionable jobs be it in the formal or the informal sector.This year my credit card bills are very high and income has reduced , because the opportunities were diverted to the friends and relatives of top government employees. So I am selling or letting most of the domains expire to reduce my credit card bills.
Well, credit cards work for me the other way round. They help me to control the expenses and postponed payments help to hold investment without advanced withdrawals.Because of credit card interest, this is an evil that haunts people.