MM: Buddy you are making no sense i'm sorry...banks are predatory sharks i agree, but the guy is an adult, sane and had the choice to say no to the loan offer...i'm presuming you're muslim and our religion has spoken in depth about the evils of debt. Did you know that a dead muslim's reckoning is kept pending until his debts are cleared? One should always notify friends or family so they can clear your debt in case you die in a state of being in debt. Even religion aside, its a simple concept, do not spend what you do not have. People who deliberately run from a country like this are criminals in any law. Nothing you say can justify it and the guy is reaping what he sowed, sorry.