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I use to feel it only happens here in Africa. Never knew its the culture there too.

1/ Yes, here also that is a kind of generational culture...but i think it's unjust....Debt on any given day is a sentece of slavery and denies freedom, self-determination....

Its sad that children inherit financial burden from family especially if you are the first or second child. It deprives them of their normal life

Exactly, and in an unjust way they are pushed into the vicious cycle of Debt.

2/ So instead family should make effort to do away for taking loans...unless warranted by medical challnges or some unprecedented events like that.

Yes you are right. The family should be more careful with money management. Kids should inherit wealth, not debt.

Exactly....and even if Debt it has to be reasonable and responsible ones....