Bad debt is a common problemIn old days people would would feel shame in taking debt from the other people but due to their problems or circumstances they had to do so. They were sincere to return the debt on time also and if they were not able to pay debt back to money lender or debt giver, they would feel humiliated. They would change the road if they saw the debt-giver on the way or if he would come at their door to ask for his money they were embarrassed.
But now time has changed. A borrower don't feel shame at all. One who helps someone with debt can be seen running after a borrower for his money and the borrower throws his false promise to pay money soon.
It is the normal thing now a days. I have seen some people who never lend money to any needy person. If anybody wants debt whether he is their friend or relative or acquainted person they quite clearly refuse to pay. I know some of my own relatives have this tendency, although they are rich.
If I give debt to somebody I give this amount with this intention that this money will not be returned to me.If he returns this debt amount back it gives satisfaction and happiness to me that I have got my money back , if he does not return my given money then I don't feel worried as I did not have hope to see my money back.
However, I think we should help needy people if we are in this position to help him.