From another angle, one may wonder why creditors feel justified in pursuing heirs for repayment of loans. Chen Yeh-shin relates: "It is said, 'individual debt should be the responsibility of the individual.'
其次像「舉證責任」的歸屬，既然是債權人要行使債權，可以由債權人來舉證，因為「不可歸責」既是不存在的事實，法律上就很難要求任何人去證明，法官應該從寬解釋。