Loans and debts should not be incurred for the acquisition of items of luxury . Exercise patience and be contented with what you possess . One who does not detest debt is an unscrupulous person . A debtor who deliberately neglects to pay his debt is a very selfish person . He transfers his burden onto another and then adopts a careless attitude .
Some people have the evil habit of causing the creditor to run to and fro .
They attempt to avoid payment by making false promises and tendering excuses while they are in a position to pay . In the discharge of the right of the creditor, they are just not bothered .