Originally posted on 12/09/2016:

Most know exactly how I am: I offered you reasonable terms if you could comply with basic requirements of decency, such as not scamming other people for more loans. You chose not to comply and repeatedly incurred penalties entirely through your own actions, and then to nobody's surprise, you decided you didn't want to follow through on your word and tried numerous times to pretend it never happened. You took a year to pay back the original amount lent and decided through various mental gymnastics that you just didn't feel like paying the interest....that means you continue to deserve that stiff badge you have. You can pretend you're doing the right thing all you want, but there's only one other idiot who believes you instead of reality.