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When you are a retard, you are a retard... Not much else to be said there.

When you are a retard, you are a retard... Not much else to be said there.
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[–] • 1 pt

Financially-irresponsible people use a forgiven debt as an invitation to rack up other debt. Telling them that it wasn't actually forgiven is crushing to them because now they have even more debt.