Loanshark runners.

Dear all,
Today, i will be talking about the latest problem of loan shark runners. Recently, another three loan shark runners were caught helping loanshark run errands such as helping the loanshark conduct illegal lending and helping loansharks do the vandalising work.
First let et me speak of my personal experience.
Once, i was studying at a nearby community centre, The community centre is situated beside a HDB flat when i reached the room, i could see that one of the units in that flat had been vandalised with red paint, police were taking down the statements of witnesses and the house owner. She was visibly disappointed.
After this experience, i have many reflection that i want to share with you all.
I want to talk about the borrowers. I feel that the borrowers are the main problem. I feel that they should not have lent money from these loan sharks in the first place. Most of the times, it is because they are not able to get a job and want to start a new business that is not feasible at all. Thus they borrow money from the loan sharks since they are not allowed to get loans from the banks. When their business fails, and when the loan shark come asking for the payment, they would shift house and cause the loan sharks to harass the wrong people too.
However, the lenders also have to bear the brunt of the blame too. I feel that they should conduct their business the right way and not the illegal way. They should follow the guidelines and limit their interest rates to at most at only 20% and they should lend money to to only credible people, people who have a stable salary. They should try to follow bank guidelines this will cause less 'misunderstandings'.
Lastly i would like to criticize the recruits of loan sharks also known as 'loan shark runners' i feel that these people have been used by the loan sharks. As these people are the ones who are caught and punished. I feel that they should have some social responsibility too, they should know that what they are doing would upset many people. i feel that they should not try to earn 'easy' money they should use their own talents and work hard to gain income and at the same time contribute to the society instead.
To conclude, i feel that if everyone plays a part to try to help the community instead of hurting it, i feel that this 'crisis' would end soon. I really hope that there would be no more of such incidents.
Signing of,
Matthias Ong
Links:http://www.straitstimes.com/BreakingNews/Singapore/Story/STIStory_482208.html