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In some places of the world this is an offence you can get sued for and end paying a lot more than the original sum.

people will generally do what is necessary to get by, which often includes committing various offenses. Life sucks.

It'd up for the judge then to rule if a mere inconvenience like a loan really constitutes a necessity, and to be honest I doubt it ever will.

Won’t you think of the small business owner? /sadge