Have a recovery agent calling up, and most people go into boo-hoo mode, crying how tough and abusive they are. The fact that a recovery agent is required at all means that the person defaulted on a loan payment; that itself should be humiliating enough PROVIDED you have the conscience. But no, life's a party and we'll take loans and life beyond our means and when the recovery agent comes calling we'll go crying to the RBI and the 'gormint'. That's what the 'sarkar' is there for, isn't it? If they can give loan waiver to the kisan, then surely, we can get it too...
I remember cribbing about my Reliance mobile connection to an agent of HDFC who was helping me with a medical for a life insurance policy. His response: if you don't like the connection, stop paying the bills!! That's what he and countless others view the situation. In the end, I gave up my Reliance connection, telling them why, and switched to Airtel, but BY GOD, I paid all my dues first, and left with a clear conscience. That, I'm afraid is what may of us lack, a conscience.
