Do you want to support this crazy system? If not, borrow from friends and lend them without interest, and never take loans.

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Let me explain on my fingers:
1st Not everyone has friends who can give 500t-5lams per car-apartment for a period of 3-10 years without interest :)
I think there is nothing to explain.
2nd Will you write contracts with friends? You gave a friend a few thousand before the salary, and then you hear "breakfast".
You were given money for a month, and in a week they are required back.

You can continue indefinitely.