First, for the vast majority of people, they are unwilling to break their promises, and they are willing to bear the responsibility of repaying loans. Therefore, the phenomenon of dishonesty is indeed caused by operational errors, market changes and the dishonesty of upstream enterprises. If it weren't for these problems, as long as there is a little possibility, we won't break our word. You know, breaking promises is fatal to a person and an enterprise, and there is no way to turn back. If you work hard for several years, you will all go to zero because of your dishonesty. For anyone, it is unwilling. They are really helpless because they don't want to repay the loan. Of course, through legal means, there may not be many results. Because they have no assets or money.
Second, in real life, there are indeed some people who have never been trustworthy since they entered the society and engaged in business. They have been making money, doing business and dealing with each other by wandering on the edge of the law. Therefore, they are truly untrustworthy people who are desperate as long as they can get money. Therefore, if they are unwilling to repay the loan, they must rely on legal means to enforce their assets and force them to make gestures and actions to repay the loan.