Consumer Debt System: Chandi Ka Pinjra
Banks ne Government aur Corporates ko safely loan de diya, lekin sabse zyada high interest rate aam insaan ki jeb mein milta hai.
Yahan par entry hoti hai Consumer Debt (Retail Banking) ki. Modern Life ki design aisi rakhi gayi hai ke aam aadmi ko apni haisiyat se bahar nikal kar jeena sikhaya jaye. Rule badal gaya hai: Buy Now, Pay Later.
Aap 1 Lakh ki cheez 30 hazaar ki salary par lena chahogay. Bank EMI (Mahana Qist) ka lalach dega: Sirf 3 hazaar mahina! Yeh aasaan qist darasal umar bhar ki ghulami ka entry pass hai.
Cars aur Smartphones jaisi cheezein jo aahista aahista apni value khatam kar deti hain (Depreciate), unko khareedne ke liye aap bank ko Interest de rahe hotay hain.
Sochiye: Kya bank sach mein aapko sahoolat de raha hai, ya aapki future ki mehnat par pehle hi din usne interest laga kar apni hukmarani bana li?
Key Takeaway
Consumer Debt life ko easy feel karata hai, par dar haqeeqat yeh hai ke yeh future ki kamai mortgage rakhwane ka trap hai.