Nowadays it's a usual practice among people to borrow the money from banks in order to cover one's needs. I'm speaking about all kinds of loans, mortgages, payments breaking down. I believe that this tendency is not all roses and in some cases it should be made more difficult for citizens to take an advantage of this option, though not in all of the cases.
The most significant reason to make the process of getting money from the bank more complicated, as I believe, is the statement that people should live up to their income. I'm persuaded that it's reasonable to control one's real income, therefore a desire to increase one's earnings awakes. For instance, my wish to move to Canada brought about some changes in our life. We try to earn more money and to save it, besides we have reduced our leisure expenses. Although it's not so easy.
The second reason for supporting my negative view of "easy loans" is the fact that we are not living in a fairy tale. Let's assume that someone took a loan without giving a second thought to it, if he is able to repay this sum. And one day the tale finished due to some reasons. This person could be recognized as broken, or even set in a jail. Something like this happened with little mermaid. She made a deal, but hadn't thought before if she complies with it. Everyone should think more than twice, if they really need money so quickly and in such an amount, that they apply to the bank. And, of course, some steps should be taken to ensure that they are able to return the loan.
Nevertheless, there are some emergency cases in which it is reasonable to borrow money from the bank. The first case is illness. In this situation every day counts. As a result the "easy loan" saves lives. Another cause to take a loan is full confidence that the borrowed money will paid off in spades. And sometimes it works.
All in all, there are two sides of each coin. There are some pluses and minuses in support of making more difficult for individuals to borrow money, and of course there are some advantages and disadvantages of making this process easier. In each individual case the person decides himself. Some cases are more important, some are less ones. I believe that taking loans should be a more difficult process, but in some cases the bank should be in client's shoes, and give the money as soon as it is ever possible.
The second reason for supporting my negative view of "easy loans" is the fact that we are not living in a fairy tale. Let's assume that someone took a loan without giving a second thought to it, if he is able to repay this sum. And one day the tale finished due to some reasons. This person could be recognized as broken, or even set in a jail. Something like this happened with little mermaid. She made a deal, but hadn't thought before if she complies with it. Everyone should think more than twice, if they really need money so quickly and in such an amount, that they apply to the bank. And, of course, some steps should be taken to ensure that they are able to return the loan.
Nevertheless, there are some emergency cases in which it is reasonable to borrow money from the bank. The first case is illness. In this situation every day counts. As a result the "easy loan" saves lives. Another cause to take a loan is full confidence that the borrowed money will paid off in spades. And sometimes it works.
All in all, there are two sides of each coin. There are some pluses and minuses in support of making more difficult for individuals to borrow money, and of course there are some advantages and disadvantages of making this process easier. In each individual case the person decides himself. Some cases are more important, some are less ones. I believe that taking loans should be a more difficult process, but in some cases the bank should be in client's shoes, and give the money as soon as it is ever possible.
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