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libellule said:

but it is an account ? if it is negative it means you are .... poor because you have money to give back to someone ???


Us citizen rents 200.000$ to buy a house.
Tunesiant Citizen rents 10.000$ to buy a house..

Does that make the Us citizen more poor???

Debt has hardly anything to do about being poor.  Having debt means that you need to cut some of your expenses if it is not possible to pay it back.