This really hits hard. Debt is bad, no matter what, especially when it’s just for consumption. But there are some good debts, like when it's used to invest in something meaningful, especially in an existing business that’s already bringing in returns.

I also think many young people today are too relaxed because of the comfort they’ve been given. That’s not bad in itself, but it becomes a problem when they stop striving. Where I come from, we don’t get that kind of support . Students struggle to pay school fees, and getting a loan or credit card feels almost impossible. So we learn early that comfort is earned, not given.

I know there are way for our people to get loan to be comfortable they will do it too. No one wants stress in life but we do need a bit of stress to thrive in life.