Just for others to learn and know the risks involved, Kindly share

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Dem go call you tire. Some even go to the extent of intruding your privacy by texting your contacts and telling them you're owing money.

Recently there's been a lot of well deserved onslaught on loan apps businesses because of the degrading way they go after loan defaulters,while i acknowledge and disagree with their extreme measures in recuperating their money plus interest,I want to also call out Nigerians for their bad habits of not wanting to pay back money they borrowed either from loan apps or individuals.
I have never downloaded any loan apps before,never applied for any loan in my life, whether from apps or banks or government. I don't know anyone who owns or works with loan apps. I am giving my opinion from my experience with Nigerians when it comes to borrowing and repayment.
1. Many Nigerians take loan because it is available not because it is necessary. Is it not to download an app,fill my details and boom apply for loan? Let's go there
This is a bad attitude,you end up spending the money on frivolities,since you had no clear purpose initially.
2. Many Nigerians are self entitled.
You have financial problems,you went to loan apps because all other options have failed,when it's time for payment,you refuse to pay, because you believe nothing will happen. The same attitude you show towards your friends and relatives that has made them to stop lending you money.
3. Many Nigerians are ingrates.
I have seen lots of posts and comments on social media vilifying loan apps,same people who came through for your poor wretched a ss,when your parents couldn't. Same ingratitude you show to government. Always criticizing the government, only for us to be told millions of Nigerians benefited from COVID loan,yet non of them ever made a comment in 8 years to appreciate the gesture, ingrates spits.
4. Nigerians don't look at terms and conditions when they want to go into a contract that will benefit them,they just agree and collect the benefits.
After they have enjoyed the benefits and it's time to fulfil their own parts of the contract,they will now remember how the lender is wicked,how the interest is too much etc
5. Loan Apps are someone's businesses with employees that are paid every month.
Always remember that,I have seen lots of comments on nairaland bragging that they will never repay their loans imagine. Don't worry,the person that will destroy your business and hard earned life investment is still writing junior waec,you will reap what you sowed.
Lastly,when next you need a loan,call your parents or siblings or the thousands of contacts on your phone,if money is easy to make. Leave loan apps alone. Last time I checked they didn't come to your house to force you to collect loan.