re: To Whom Should I Send My Thanks?

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It's really very simple. The borrow says by contract at the time he borrows the money: "I agree to pay you interest and principal back after borrowing this sum. If I don't, then you can come after me according to the prescriptions of this agreement".

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if there was a moral aspect, it would be related to charging interest. Or lending at all.

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"If you lend money to one of my people who is needy, do not be like a money-lender; charge him no interest." ~Exodus 22: 25

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If the credit card issuers were moral, according to the bible they would discharge that debt.

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"Let no debt remain outstanding, except the continuing debt to love one another, for he who loves his fellow-man has fulfilled the law." ~Romans 13: 8

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Bible Quote - Deuteronomy 23:19

You shall not charge interest on loans to your brother, interest on money, interest on food, interest on anything that is lent for interest.

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