Psalm 37:21 says: The wicked borrow, and don’t pay back .  But the righteous give generously.  There are generous people who borrow money and still do not pay back money that they borrow from other people.  I recall receiving goods and services from other agencies, and it has taken me a long time to pay off my debts. I am considered as a very generous person.  I have just ran on very hard times.