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but the point is, you need a lifetime of food and housing , and if you have $X million in the bank throwing off interest, that would cover it.
...so you're really born with a $X million debt, and you're working frantically to pay the interest (i.e. house and feed yourself)
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"Why do you want to encourage people to go to off the books loan sharks and Russian mafia sorts who laugh at legal bankruptcy?"

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"Back-alley loans"
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there is certainly an intellectually consistent view that high interest rates are dangerous, and that it's better to create a perpetual underclass than to allow them. I'd call that view evil, but it is valid.
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