If you live making stupid decisions, by lending to people whom you can never track, we are in the country ILLEGALLY and can skip just as quick, you should die the same way.
HOW COULD THE BANKS LOAN TO SUCH PEOPLE is what I hear Japanese after Japanese say. (Of course, their banks loaned to idiots in the 1990s, so maybe they have some experience in this foolishness first hand). At any rate, most are incredulous to grant this to foreigners illegally there.