Forgot to say, I do have a bad credit history here in the UK. Does that mean I am at risk to be the same there and take loans? Well, that is a possibility but also a future prediction (note, best way to predict future behavior is to examine past behavior).

That said, does that mean people do not change? If so, then whats the point of rehabilitation centers, education and other institutions in society? Don't know, I feel like confused now, very.