Urban khasi, you missed the point. Asking for loan and not paying is not a good thing and among several bad things its worse. He screwed himself so i wanted to reply him with a note "shame on you". I also wanted our friends to understand what is credit and it's importance. Because many suggest of gathering credit and not paying to 18yrs old who come to this country without having their own bank account in Nepal. That is totally wrong and irresponsible. I have seen folks who have 6fig salary job in hand but cant buy a car to commute there. Why? You know. My only intention was caution.
You have given excellent suggestion but middle finger that was uncalled for.