When people talk about “borrowing” money out of desperation when they aren’t able to pay it back it is very close to stealing. The whole issue I brought up is “can you afford it?” If you pay it back you can afford it. Not necessarily wise to borrow at outrageous rates even if you can pay it back.
It is stealing. Perhaps not 'theft' legally but it's stealing and is dishonest.
About the only theft I can personally excuse is stealing food, and then only in the most dire of circumstances (by that I mean if I catch you stealing food from my house, I'll probably bag some up for you and send you on your way. If I catch you stealing my TV you're getting a bullet in the chest).
BUT there is no excuse for stealing even food in the U.S. - there is no shortage of free food for those that need it.
OK, well it makes sense put that way.