Psalm 31:27
The wicked borrows but does not pay back, but the righteous is generous and gives;
No doubt, paying people back is another one of those things, like cleanliness that can go downhill with a soft mindset. In fact, like trash building up, so does debt and the damage is just as horrible. A big problem with debt is it wrecks relationships with people (like cleanliness too often), it makes it harder for you to get more loans (Loans are often needed for hard times that befall us sometimes.), makes it harder to get ahead due to all the debt.
Anyway, though, it is true the Bible asks people to have mercy on those who borrow, but it doesn’t excuse people from making a real effort of responsibility.
Proverbs 19:17
Whoever is generous to the poor lends to the Lord, and he will repay him for his deed.
Leviticus 25:35-37
If your brother becomes poor and cannot maintain himself with you, you shall support him as though he were a stranger and a sojourner, and he shall live with you. Take no interest from him or profit, but fear your God, that your brother may live beside you. You shall not lend him your money at interest, nor give him your food for profit.
But why is it so easy to get into a situation where debt can’t be paid back, aside from someone who is just pure evil and has no desire to pay back?
Well, the problem is people get in over their head. This is, again, the result of a soft mindset. If people aren’t on top of stuff, things just build up, just like trash.