Of all these I think the most important is the last one, since debts accumulate interest that in turn generate more interest and end up being too heavy a burden to carry. No matter how much money you earn, there are people who like to take on credits, it has even become popular the great bank scam of convincing traders that working with other people's money, or borrowed by them, they will obtain profits without having to invest, without telling them that in the end they will benefit from those of the debtor, they will even get to earn a higher percentage of what the one who works has.