Let's keep this simple.
Don't borrow money you don't expect to repay.
When you issue an IOU, you redeem it or you are a liar.
When you buy something, don't commit fraud by withholding payment.
If you find yourself unable to fulfill your commitment, the bankruptcy provision is available, but be aware of the consequences.
How in the world can people who believe in freedom from government be comfortable with schemes to defraud others of payment of debt?
We are supposedly showing the rest of the world how people can live together without government. How can we do that if we can't control our own affairs?
Pay off your credit card each month. If you can't do that, cut up the card.
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