In a perfect world, we would all want for nothing. Diseases would be cured, hunger would be abolished, peace would be resolved, and we would all live in comfort, with every desire satisfied, and every need identified.

However, we are still a long ways away from this utopian future, and alas, we must all face reality and deal with the necessities of our basic human existence. And so, we must work in order to eat, shelter, and protect ourselves and our families. But there are times where this can prove to be a challenge, for fate intertwines with our goals, and we are left without sustainable means, even if only for a short period of time. We can ill afford to risk meeting our basic needs, and so society has devised several complicated methods for us to translate our efforts into tangible services and goods.

What this all means really is that sometimes we try to earn a living and outside forces interfere with that ability, whether through natural influences or human interference, and we are faced with situations that interrupt our work and we must find other resolutions in order to provide for ourselves and our families. We are forced to rely on other agencies (a bank loan, a payday advance, or liquidation of assets), in order to continue receiving the essentials that enable us to exist.

When these situations occur, why doesn't the government or other institution interject and mitigate our circumstances? Fortunately, there are programs that can assist, but we live in free societies where we make our own choices and direct our own courses. We would not want to be subjugated to socialistic ideals where we would be instructed and directed as to how to exist, would we? Instead we embrace our capitalistic and industrial nature and we do what we can to get by--we meekly demure to the establishment and we play by their rules in order to get what we need, whether through indenturing, mortgaging, or other contracting. We appeal to these greater powers for credit lines, cash advances, overdrafts, and we do it because our world isn't perfect yet, and we all have to play our parts in order to improve our station and reach closer to that care-free ideal.