The banks should make sure people aren't borrowing too much.

To pay the excess, people use their savings or borrow from family.

The excuse used is that people will come in for the Internet, and then borrow books.

Those figures do not include the additional money people have borrowed through lines of credit.

To take the commercial test some people borrow trucks from friends.

These people are borrowing at the commercial rate of 16 percent.

With a library card, people can borrow books and take them home for several weeks.

The market just records the rate at which people will borrow from the government.

But once people borrow money, "they need to take personal responsibility to pay it back," he said.

And, just as people borrow money to help them succeed, so do businesses.