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I think the point here is that a lot of money has been lent out under loose conditions where there was very little scrutiny of the borrower.

Someone I used to work for was borrowing all kinds of money with seemingly little scrutiny and when she couldn't pay it back the worst possible thing happened. https://sfstandard.com/2025/10/09/family-four-murder-suicide...

I understand tragedies happen, bad choices leading to these type of outcomes, but can never accept when children suffer. They did nothing wrong.