It's not always the case that debtors are unwilling to repay, but rather that the terms offered by the banks are too stringent. For example, is it realistic to expect someone who earns NT $ 30,000 per month to repay NT $ 29,000 against their credit-card debt?
這並非卡債族食言不願還錢，而是銀行提出的條件太過嚴苛，例如月薪 3 萬元得還 2 萬 9 千元，要卡債族怎麼活下去？