The greatest harm of debt is not being unable to pay it back, but rather that you will slowly lose your sense of control over life.

Credit cards, Huabei, and small loans seem to allow you to live the life you want in advance, but in reality, they are consuming your future.

Once you fall into this trap, you find yourself revolving around repayments every day, making it impossible to plan for the long term. When the pressure reaches a certain level, a person may start to break down and even entertain extreme thoughts.

It's not that the situation is so severe; rather, it's that you are trapped in the anxiety of "not being able to pay it off." True confidence comes from knowing that every penny you spend is not owed to anyone.