Debt (loan) is a remarkable form of interaction that can bring both benefit and prosperity to society, as well as poverty, socio-economic problems, and other negative consequences. Let us note here the particularly important points so that a loan agreement equally and impartially observes the rights of both parties to the transaction and brings welfare and prosperity to society. A loan (debt) is nothing other than a form of assistance to someone in need, without any profit for the lender. The lender has the right to take collateral to collect the debt if there are doubts about its timely repayment. If the debt is given in the ordinary official currency of any country, then the debt amount is valued in precious metals (for example, in gold) or commodities, so that the lender does not suffer losses from inflation. Adding interest, penalties, fines, or anything else to the loan agreement that makes the repayment amount greater than the sum received by the borrower is not permitted, ...
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