They're a lot of things we borrow and never really return back... sometimes we even overuse it before returning it back. It's just our normal nature, not every one do it but majority of us do it and sometimes we just think in our minds, this stuff doesn't hold much value, it might not to you but it does to the other person.

I get really embarrassed easily so I tend to avoid borrowing and also debt. There was one time I had a project to do and there was no money, I knew there was no other way but to borrow, then I was supposed to pay back in 3days, the days came and I couldn't pay back. It was embarrassing, worst of al is I kept avoiding the person and calls till I was able to pay back. It's no funny issue.