Also don't discount depression. I never suffered from it, but people very close to me do, and it's a monster.
Your point about shame is valid, especially in a culture like Japan, but another point is the feeling of being a slave to creditors the rest of your life. A person's outlook on life would dramatically shift from optimistic to losing financial freedom.
Also don't discount depression. I never suffered from it, but people very close to me do, and it's a monster.
Your point about shame is valid, especially in a culture like Japan, but another point is the feeling of being a slave to creditors the rest of your life. A person's outlook on life would dramatically shift from optimistic to losing financial freedom.