There was a time when my friends and I were talking about the rate at which people take loans. It is too much and I know that it is as a result of how the economy is.
The interests on these loans are too much. They are too high and I feel it is not nice.
In a perfect world, we would be able to live cozy and warm in the forest, with enough to eat and drink and not have to worry about a loan at all :)