I think the answer to the question, for the great majority of the population, is a definite “yes”. Whether it’s the casual “Do you have 5 dollars? I forgot my wallet – will pay you tomorrow at the office” to taking out several simultaneous loans totalling a few billion dollars from multinational banks, it’s still basically the same idea: borrowing money, with a promise to pay it by a predetermined point in time.

Your truly of course borrow money all the time – most commonly from the equally loved and hated plastic. Not just from that of course: banks, cooperatives and loan sharks are also vying for my attention.

I think it’s definitely easy to gain access to money I might not be able to pay back later. In the last few months I have received at least three preapproved personal loan offers. No need to go through all the credit checks, all I needed to do was fill in a few details and sign on the dotted line. This is not to mention credit card marketers – if I said yes to them all, I think my wallet would’ve been several inches thick with plastic.

Having said all that, some times borrowing money is difficult to avoid. I’m building my own house, so a secured loan is in the works. Of course, unless I become the next person to make a quick buck from a Genting-related lucky number…

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