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I have no savings at all, and Im in quite a bit of financial trouble (I have defaulted on a number of loans and am in negoiation with my creditors with regards to reduced offers I have made) - but then again no one can (or would) make me bankrupt because I have no capital so there is no benefit for them to do it.
I couldnt care less if I lost my apartment (which I have a mortage on and negative interest in anyway).
I'm in my situation because of irresponsible use of credit. She is in her situation because she committed to a mortgage that was beyond her means to cover and she had bad luck losing her job and not finding another I guess.
There's a mixture of bad luck and poor judgment in most cases like this.
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"Do not tell lies, and do not do what you hate,
for all things are plain in the sight of Heaven. For nothing
hidden will not become manifest, and nothing covered will remain
without being uncovered."
The Gospel of Thomas
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