Permanent Karz: Jo Kabhi Wapas Nahi Hota
Aam aadmi jab loan leta hai, toh uska maqsad use wapas karke debt-free (karz mukt) hona hota hai. Lekin William Paterson ke system ne government debt (sarkari karz) ki grammar hi badal di.
Paterson ka ek simple rule tha: Government ko jo principal amount (asal rakam) di gayi hai, woh usay kabhi fully wapas karne ki zaroorat hi nahi hai. Bas us par 8% interest (sood) har saal milta rahe. Yeh insani tareekh mein pehli baar tha ke karz 'Permanent' ban gaya.
Isey 'National Debt' ka naam diya gaya. Government interest bharne ke liye paisa kahan se lati? Awaam (public) ke lagaye gaye Taxes se. Yaani bank ko guarantee mil gayi ke interest ki payment kabhi nahi rukegi kyunkay awam hargiz tax dena band nahi karegi.
Aaj duniya ke kisi bhi mulk ko dekh lijiye - America par $34 trillion ka karz hai, India par laakhon crore ka karz hai. Koi bhi desh iss karz ko zero (0) nahi karta. Woh bas purana karz chukane ke liye aur tax jama karne ke liye naya karz lete hain. Ek aisa cycle ban gaya hai jismein debt hamesha badhta hi jata hai.
Sochiye: Ek aisi company hai jiska customer kabhi loan chukata nahi, par saari umr sood (interest) bharta hai, aur guarantor poori aawaam hai. Is company ko kitna profit hoga?
Key Takeaway
Government debt (Sarkari Karz) is tarah design kiya gaya hai ke woh kabhi fully repay (khatam) na ho. Government sirf tax ka paisa use karke us par hamesha interest pay karti rehti hai.