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Those who owe trillions are treated as VIPs; those who owe thousands are considered deadbeats. People who owe tens of millions or even billions are all treated like lords. These are real things that happen in our daily lives.

Take a look at the list of debtors below. I’m too timid to use real names, so I’ve replaced them with "Mr./Ms. X," and the companies are also represented by "Company X." I bet you can guess who these people are. Seeing such debts, don’t you find it shocking? But even so, have you ever heard of them being caught? Have you ever heard of them being sued, then executed and restricted from high-end consumption? Have you ever heard of them paying back any of their debts?

Do you owe even 1/10,000 of what they owe? Even more ironically, their wives, children, relatives, and even they themselves, who isn’t driving luxury cars, living in mansions, and enjoying the happiness brought by others’ money? But what about us? We, who are honest and law-abiding, owe just a few ten thousand or at most a few hundred thousand. Aren’t we the ones who get restricted and have our assets seized?

Why don’t they go after them? Because you don’t understand the rules. The rules I’m talking about are the unwritten ones, and no one tells you about them.

First, they themselves have no assets. If they do, it’s been legally transferred out. If I owed tens of millions and someone sued me, I’d tell you, you’re almost wasting your time and money. Because with such a large claim, you can’t even afford the litigation fees. Going to court, I tell you, whether you win or lose, you’ll have to pay a huge amount in lawyer fees. If you lose, you might even have to pay a massive amount in damages for reputational loss and so on.

Second, the interest on the huge debts they owe can grow into hundreds of millions. If the creditor—usually someone who expects to profit from their growth one day—gets a profit, it’s a massive fortune.

Third, some of their debts are impossible to repay, but some debts, they might even pass on to us ordinary people. For example, if you buy a car or a house, car loans and mortgages. If you successfully sue them, their assets might become unfinished buildings or junk cars, and end up in court-ordered auctions. Who would dare to buy them? Would you? In that case, how can you plug the hole? Ultimately, it’s impossible to enforce, and it ends up being left alone, or even protected.

Fourth, if you owe your debt, you continue to sell your house or your products, and all the money you make will be counted as interest and go to the creditor, which is the bank. If you don’t do this, the bank and the creditor will incur a huge loss. Therefore, they can’t sue them or let them go bankrupt. They have to find every possible way to keep them in business.

I’ve said so much, but to sum up, nowadays, online, the tide is overwhelmingly against us ordinary debtors—those who owe a few thousand, a few ten thousand, or at most a few hundred thousand. There’s no sympathy at all. If you owe even a little, I’ll tell you, you’re a deadbeat. But how many people talk about those who owe millions or billions?

Sigh, I guess it’s our own fault. We owe too little, we have too simple backgrounds, we don’t understand the law, and we live in a society that bullies the weak and fears the strong.

But in the end, I still want to say, if you really have the ability, then go ahead and talk about those big deadbeats.

So, I advise young people, don’t buy a house or a car if you don’t have the money, and don’t even think about love, marriage, or having kids if you’re broke, because it will burden you with a high cost of living. If you insist on not listening and go ahead anyway, remember, the future will be tough. I have a feeling, and it’s a particularly strong one: tightening our belts and living frugally will be our norm. Focus on improving your own abilities.
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</script>