Why borrower never repay the loan?
In school,
we asked to subtract 7 from 32.
7 cannot be subtracted from  2,
hence the number 2 borrow 1 from nearby 3
Then, it become 12 and it easy to deduct 7 and the balance is 5.
But the number 2 which borrowed 1 from nearby 3 will never repay in future.
This is the truth
Now we know
Why borrower never pay back and
it's a problem of our education not borrowers...