I heard an interesting thing in Dubai: a friend who works in finance and has loan business. Usually, loans with established positions such as teachers and doctors have a high approval rate. The biggest bad debt was when JC borrowed several million from them but refused to repay them, and they didn't dare to sue him because those who do financial loans are somewhat gray. If you don't borrow it, you're afraid of being investigated. If you borrow it, it will become a bad debt. What should you do?