Graduate / Debts and Loans - 'money has a great role in each section of human life' - IELTS2 [6]

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Many people are using credit cards or loans to run up huge personal debts that they may be unable to repay. It should therefore be made more difficult to borrow large amounts of money. What are your opinions about that?

These days money has a great role in each section of human life. Every day people of different social groups face difficulties connected with money, but of course the target social group are the poor. Not in a very far past people borrowed money form each other and sometimes because of they were not able to give the money back they had many problems including even stopping being in touch. Now instead of this traditional method of getting needed money we have banks which give some amounts of money. There are many reasons why people borrow great quantities of money from banks today. It is controversial whether it should be made more difficult to take money from banks because sometimes people are really unable to give back as a reason of which they even are put into the prisons, but to me it is more important to make it easy to take loans.

Firstly, in many cases lack of money causes family divorces. Many families collapse because they do not have opportunity to increase their cost of living. Sometimes young couples put off the wedding because their money isn't enough to organize wedding party or to rent an apartment or to buy it. People living in megapolises work for many hours but often their salaries are quiet different from dignified ones. This is one of the main reasons why people borrow huge amounts of money from banks. The worst part of this is that if they delay paying the monthly amount with its per cents they are endanger to lose their houses.

Secondly, lack of money doesn't allow people with bright minds to launch their own businesses. Individuals who have great ideas sometimes do not have a single chance to bring to life their business plans. Is it fair? Of course no! That's why it doesn't matter how much is one's wage for a month, banks have to discuss the idea then decide whether they want to support it or no.

Thirdly, people who have problems with money sometimes have problems with education, too. It is well-known that the most brainiest individuals are risen from poverty but now even when taking loans they are often refused because banks consider they are not able to repay. Of course it is somehow understandable they want to prevent their money but also clerks have to understand they are ruining lives.

Concluding, I can say only that it is very heavy to live with debts and one should think very much before turning to banks, because besides money they lend you as a bonus also many rules, many percents and sinister things which are hidden in every loan.