View Poll Results: Is there a moral obligation to repay money you borrow?

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  • If you borrow money, you are morally obligated to repay it.

    110 34.48%
  • I feel no moral obligation to repay loans I've taken out

    209 65.52%
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Thread: Are you morally obligated to repay a loan that you take?[W:461]

  1. #251
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    tacomancer's Avatar
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    Re: Are you morally obligated to repay a loan that you take?

    Quote Originally Posted by Henrin View Post
    You do realize rate of use has a direct affect on rates, right?
    I am speaking on an individual level I have already considered aggregate effects of masses of people but in the end the argument comes back to my actions as that alone is my responsibility and I cannot hurt lursa through insurance premiums

    If I cost the company $650 and the company has 3,000,000 people buying insurance, the cost to any one individual is .002 cents. That rounds into zero

  2. #252
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    Re: Are you morally obligated to repay a loan that you take?

    Quote Originally Posted by Lursa View Post
    False.
    Well if you find I do, I will be happy to mail you a penny

  3. #253
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    Re: Are you morally obligated to repay a loan that you take?

    Quote Originally Posted by mike2810 View Post
    Your comments are interesting.

    Reminds me some of the logic people have when insurance companies have to pay out large sums. Its the insurance company, right. Well where does the insurance gets its funds to pay out? From individuals, not a company.

    While it may not be a moral issue, it is a issue of what is a persons word worth.
    I can assure that when a bank makes a loan, what a persons' word is worth is never considered. Not even for the briefest of moments.

    For the bank, the making of a loan is a business decision in which they take on a bit of risk for which they charge enough interest to generate profit. Like any risk, sometimes they make a profit, and sometimes they make a loss.

    Morality doesn't enter the picture, nor the worth of any person's word.
    Quote Originally Posted by matchlight View Post
    Justice Thomas' opinions consistently contain precise, detailed constitutional analyses.
    Quote Originally Posted by jaeger19 View Post
    the vast majority of folks that need healthcare are on Medicare.. both rich and poor..

  4. #254
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    Re: Are you morally obligated to repay a loan that you take?

    Quote Originally Posted by tacomancer View Post
    Well if you find I do, I will be happy to mail you a penny
    Your dismissal is either ignorance or dishonesty but doesnt change reality.

    Altho people try to justify many things to avoid feeling guilty.
    Quote Originally Posted by Bucky View Post
    I have felt pain when I was in the womb. So when you say they are incapable of feeling pain, that is based on junk science.
    Quote Originally Posted by applejuicefool View Post
    A murderer putting a bullet through someone's brain is a medical procedure too.

  5. #255
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    Re: Are you morally obligated to repay a loan that you take?

    Quote Originally Posted by Thrilla View Post
    and you'll be saving a ton of it if you succeed in paying it off in 10 years... well done.
    Last year was good, I took about 22% off of the principle....
    "Those who do not remember the past are condemned to repeat it." George Santayana

  6. #256
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    Re: Are you morally obligated to repay a loan that you take?

    Quote Originally Posted by sangha View Post
    I can assure that when a bank makes a loan, what a persons' word is worth is never considered. Not even for the briefest of moments.

    For the bank, the making of a loan is a business decision in which they take on a bit of risk for which they charge enough interest to generate profit. Like any risk, sometimes they make a profit, and sometimes they make a loss.

    Morality doesn't enter the picture, nor the worth of any person's word.
    Pretty much what I was saying.

    But the OP is about morality which a person can have, or not, outside of the legal sytem and contracts and agreements.
    Quote Originally Posted by Bucky View Post
    I have felt pain when I was in the womb. So when you say they are incapable of feeling pain, that is based on junk science.
    Quote Originally Posted by applejuicefool View Post
    A murderer putting a bullet through someone's brain is a medical procedure too.

  7. #257
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    Re: Are you morally obligated to repay a loan that you take?

    Quote Originally Posted by Lursa View Post
    Your dismissal is either ignorance or dishonesty but doesnt change reality.

    Altho people try to justify many things to avoid feeling guilty.
    Why does everyone accuse me of justifying myself to avoid guilt! Wtf is with you people I am just giving my honest opinion

    (Sorry not you specifically but directed at multiple people)

    You people act as I secretly see things your way and feel some sense of shame or guilt. I don't get the reason behind these accusations pointed at me. What is your reasoning behind this accusation because I would like to believe its in good faith and not some stupid debate tactic

  8. #258
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    Re: Are you morally obligated to repay a loan that you take?

    Quote Originally Posted by Thrilla View Post
    I think the discussion has taken some ugly turns and went a lil too personal...

    take some time..... chill out.... it's just a conversation.

    I wonder though... if a person doesn't see paying their loans as a moral obligation, but they still pay their loans on some basis other than morality, can we really declare them to be immoral?... they are acting in accordance to our morality, so determining them to be immoral just doesn't make much sense.

    but that brings another question to my mind... why the hell are the generally political persuasions abandoning their traditional arguments?.... libertarians denouncing self-interest and embracing morality.. liberals/progressives embracing self-interest while casting away morality.
    cats sleeping with dogs, dogs sleeping with cats... it's a madhouse round here


    in any event.. pay your bills... it's the right thing to do.
    Perceptive observations and good questions

    I can only speak for myself, but if you were to look at my posts on any issue, you won't find any that have me arguing any policy on the basis of morality alone, nor any that have me argue for a policy that can't be justified on the basis of national interests so my position here is consistent with my position on other issues.
    Quote Originally Posted by matchlight View Post
    Justice Thomas' opinions consistently contain precise, detailed constitutional analyses.
    Quote Originally Posted by jaeger19 View Post
    the vast majority of folks that need healthcare are on Medicare.. both rich and poor..

  9. #259
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    Re: Are you morally obligated to repay a loan that you take?

    Quote Originally Posted by tacomancer View Post
    I am speaking on an individual level I have already considered aggregate effects of masses of people but in the end the argument comes back to my actions as that alone is my responsibility and I cannot hurt lursa through insurance premiums

    If I cost the company $650 and the company has 3,000,000 people buying insurance, the cost to any one individual is .002 cents. That rounds into zero
    You don't round costs. What something costs is what it costs. If something costs .99 cents and there is no tax it will cost me .99 cents and if I give the cashier a dollar they will give me back a penny. They're not just going to go, well, .99 cents rounds up to a dollar, so no change for you. What you cost the system is just that, no more or less. Everything you cost the system someone else has to pay no matter the amount.

  10. #260
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    Re: Are you morally obligated to repay a loan that you take?

    Quote Originally Posted by sangha View Post
    Perceptive observations and good questions

    I can only speak for myself, but if you were to look at my posts on any issue, you won't find any that have me arguing any policy on the basis of morality alone, nor any that have me argue for a policy that can't be justified on the basis of national interests so my position here is consistent with my position on other issues.
    It seems to be an annoying trait of many conservatives here. The where do you stand type question where they take a moral question and strip it of all context and reality and ask "how do you feel about x" then get either indignant or try to declare some sort of victory when people try to answer realistically by adding context back in.

    Very few if any morals stand alone without context

    Sorry a little rant there, lol

    Its just annoying
    Last edited by tacomancer; 01-23-15 at 10:56 PM.

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