When requesting credit, you’re basically stating that you’re good for the money. If you’re economically unstable, that might not be true.
No sense in getting offended at the idea someone is saying you’re dishonest.
No sense in getting offended at the idea someone is saying you’re dishonest.
It is offensive when "unforeseen circumstances" is casted as "dishonesty." This kind of thing is routinely done to criminalize the poor.