Clear Your Debts 70% of Credit Agreements Are Unenforcable Therefore NON repayable.

[alternative-answer]

While I appreciate peoples comments, it is clearly people own conditioning that makes them keep suggesting they there is some moral and ethical obligation. They are projecting thier own conditioning out onto others. People have the right to self determine and no one should be moralising or judging. if you were truly free you would be doing the same.