Wow! What a surprise. It's great to know you enjoyed the article, and I really appreciate the support you have given to me. I'm working on publishing more quality articles like this at 2 or 3 times a week depending on work schedule.

As for the proverb, it's obvious you have experienced such circumstance. What I have noticed is that, it is very difficult to change people freely. The best way to nurture the people is to apply a little force, although to others it may seem you're harsh or even wicked. Have you ever imagined why collaterals plus guarantors are being requested by most established firms in the world today? Of course you should know about it, another reason for these requirements is because most people can't be changed, serious, or focus except they have seen one or two dreaded conditions.

This discussion is a long one, and there are lots of stories I have heard/seen with so many long necks. My advice to friends is that, when lending a huge sum, ensure to apply a strong collateral. Or in the case where the person is a close one and conditioning them may seem too awful, then lend out what you can afford to give out freely.

The world is a good place with terrible people...

Thank you once again.