The truth of the matter, as David Graeber points out in his majestic Debt: The First 5,000 Years, is that that the creditor-debtor relationship embodies no iron law of morality; rather, it is a social relationship that always must be negotiated. When quantitative precision and an unyielding approach to debt obligations are the rule, conflict and penury soon follow.
大卫·格雷柏（David Graeber）在其巨著《债：第一个5,000年》（Debt: The First 5,000 Years）中指出，事实的真相是债权人-债务人关系并不包含什么道德铁律；相反，这是一种永远可以商量的社会关系。当精确的定量计算和坚持到底要求履行债务义务成为规则时，冲突和贫穷就会接踵而至。