Here’s the thing. If you’re like most people, whether you like it or not, you will need to borrow money. Even if you are an employee in the high-paying salary category, you still do. If you haven’t had to borrow money yet, just wait. You’ll need to do it at some point, whether it is to buy a house, to get credit cards, to buy a car, or even a mobile phone. Why do we need these things anyway? In the beginning, people survived without these worldly possessions. Maybe it’s a cliché, but the world has become modernized and with...