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It is mainly for two reasons:1. Crooked people cannot con you, and

2. If unexpected problems hit you, you can work out what is likely to happen: you will have a tough times financially but come through, you will get into tough times which will remain tough - not improve but not get worse, you will get into tough times which will become worse as time advances. These scenarios should determine your course of action with others - for example, any creditors.

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