My buddy, took out 600k yuan in online loans, it's the fourth year now.

He doesn't answer calls, ignores texts, and once said he would settle the principal at a 30% discount, he replied, "Even if you cut the price again, I don't want it."
Until now, he hasn't been sued, hasn't been blacklisted, and can still take high-speed trains and flights freely.
Credit report? He says that thing is just a shackle for honest people.
I asked him, aren't you afraid you won't be able to get loans in the future?
He laughed: If you pay on time for ten years, does the bank lower your interest rate?
Suddenly, I didn't know how to argue back.