Much good is accomplished through the wise use of credit, borrowing, and lending. Some people, however, become so obsessed with wanting things that they incur debts on top of unpaid bills they already owe. It is obvious that they need more than just enough borrowed money to appease the creditors. They need wisdom.
A habit of being heavily in debt or of deficit spending cries out for gaining and demonstrating spiritual understanding. Mountains of debt may represent an accumulation of mistake and failure, a tendency to agree with falsity. But the sum total of debt in the world never ventures beyond the classification of correctable error, which Christian Science can reduce to proved nothingness.
Such bad habits and their penalties all stem from ignorance or doubt of God's ever-present abundance, from misapprehension of His allness and distrust of His irresistible power to express His mercy in effective ways on the human scene.