Being in debt means using up the future in the present. Essentially, it’s about how we manage our time. Therefore, the most valuable resource for debtors is time, and it depends on which side time favors. Paying off debt is like repaying borrowed future time early. When the ability to generate wealth over time decreases, the future time becomes a burden, and the debtor faces the pain of bankruptcy. Taking on debt is costly. It may seem like borrowed money is repaid with money, but the irreplaceable resource of time is also returned along with interest. With the rise of postpaid credit cards as a common payment method, we’ve become less sensitive to the associated pain and cost. There are two ways to spend money: using present time or future time. The costs and pain are much higher when the future is spent as if it were the present. - Joseph’s “just my thoughts”
Even though tigers are stronger than rabbits , they are concerned about extinction worldwide , while rabbits do not share that worry. A crucial requirement for human survival is social interaction . Isolating oneself from society poses a serious threat to survival. Thus, all individuals who have disconnected from society are vulnerable. Based on this premise, there is no superior gene in humans ; only the expression of genes that are suitable for specific situations is acknowledged. Therefore, the essence of human society is cooperation . In this world, we can only survive by helping one another. - Joseph’s “just my thoughts”