The bottom line is the only line you can’t cross, or the LiBorgs will come for their credit, where credit is due. In their eyes, you’re a liability and will never amount to much unless they can leverage your greed towards their best interest. In 2007, before the financial crisis of 2008, the Liborgs were at the height of their game. Don’t let their straight-laced-face fool you because their spreadsheets are on macro-overdrive. Besides, they are pretty bitter about the phasing out of LIBOR in 2021. So watch for a hidden derivative of vengeance in the future. They will make you feel it’s a privilege you even qualify when applying for loans. But once you can’t pay, they will ruin you financially and then emotionally, making you feel worthless and defeated. Their weapons of choice are inflation, monetary policy, and interest rates. They are credible threats to your wallet and your self-esteem striking at any time with credit spreads of dread.