I can’t find the name, but somewhere in (most likely) Herodotus there’s a story about a man who asked the Delphic Oracle whether he really had to pay back a loan if the lender couldn’t prove he owed it. Just for asking, his entire family was wiped out in a series of gruesome god-sent disasters. Not to give any divinities any ideas, I can’t honestly say that I entirely disapprove of Apollo’s action in that case.
When I was working in check cashing, I discovered that there’s an entire segment of society with a fundamentally different take on economics. It isn’t necessarily “evil”, it’s just different. Money doesn’t mean to “them” what it means to “us” any more than it means to Larry Ellison what it means to us.
They operate on the weekly cash-in-hand budget and the idea of a long-term loan repayment is, in fact, opaque to them. And a lot of that is due to buy-here-pay-here and furniture-rental stores that have made the “pay when you want it” model standard.