The moral obligation is to TRY to pay it back. I fully concede that it's not a black and white issue, but there's a big difference between refusing to pay a debt and being unable to pay a debt.
If you borrow money for any reason with the understanding that you'll pay it back, but you secretly intend to keep it all along, then you are doing something wrong (morally if not legally).
> If you borrow money for any reason with the understanding that you'll pay it back, but you secretly intend to keep it all along, then you are doing something wrong (morally if not legally).
We are in complete agreement then. To do otherwise would be, in my opinion, fraud.
If you borrow money for any reason with the understanding that you'll pay it back, but you secretly intend to keep it all along, then you are doing something wrong (morally if not legally).