its like..not counting the gambling addicts,
people borrow from loansharks when freaking
desperate i.e. banks and family/friends/relatives cannot or
will not lend them.
so how does making them pay a fine (and where are they going to
find the money?confirm end up in jail one) and giving them a
criminal record going to improve things? more like force them to
become fulltime criminals in order to survive.
I think it would be a lot more appropriate to punish those who
get innocent people into trouble by borrowing from loansharks.
For example, there have been cases of people who were hounded by
loansharks even though they didn't know that they were acting as
guarantors for the borrowers.
Also, there are people who borrow from loansharks and then sell
off their houses without telling the new homeowners. As a result,
the innocent new homeowners have to bear the brunt of the
loansharks when the debts are due.
In such cases, I would recommend having the borrowers
flogged.
