“But if there’s no penalty for debt, what’s to stop you from taking without giving back?” “It’s a bad feeling,” Dex said. “Everybody has a negative balance from time to time, for lots of reasons. That’s fine. That’s part of the ebb and flow. But if someone had a huge negative … well, that says they need help. Maybe they’re sick. Or stuck. Maybe they’ve got something going on at home. Or maybe it’s just one of those times when they need other people to carry them for a while. That’s okay. Everybody ends up there sometimes. If I saw a friend’s balance and it was way in the red, I’d make a point
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