Walang nakukulong sa di pagbayad ng utang; sa fraud meron.
Kung ang pag utang may kasamang fraud (panloloko o panlilinlang) kahit may kakayahan siyang magbayad. When there’s fraudulent intent, it means the borrower can be tried with criminal case (jail time). Maraming examples ng fraud but in context, the borrower is in bad faith. Karma will haunt you down