Combining the point of view of religion and physics, we can say that the God who created our universe, it was a quantum fluctuation of the energy field that gave energy to the debt of our universe. With this money, our universe was built, and then the debt was paid and God went on to create new universes. In fact, God is a wandering energy field.
Business is essentially a temporary quantum fluctuation. First, we invent money (or borrow it), then we use it to do business and create material values, and then we pay off debts or destroy the invented money.
The strong, knowing the vices of the weak, likes to lend them money. The weak, being the slaves of money, will quickly let everything go down to vices, after which they will become the slaves of both vices and the strong.
Mortgage is useful because a person does not have money for vices, which means that there is a lot of free time for work and training. By devoting time to study and work, a person increases their experience, becomes better and more perfect. The more perfect a person is, the greater their happiness and income. Having increased their income over time, a person at an accelerated pace repays their debts.
Credit is won, this time in the loan. Credit can only be taken to someone who needs time, and who knows how to manage this time. For people who do not value their time, loans are dangerous, they will lose them, like everything else their time.
You can't do business without hope. The basis of business is credit. Hope is love and faith in debt. Love is energy and time. Therefore, hope is money and work on credit for a long time. The more you know about the truth, the stronger your hope and faith.