Hesed Ojieh argues that low credit scores and debt trap people in survival mode, where paying bills crowds out creativity. A sub-580 credit score keeps you focused on repayment instead of creating, turning you from creator into consumer.
Chapters
So think for a moment. Credibility is in bondage. Creativity has been chained just because of a number under 580, just because of a number 200, 2000. What is the number that you're owing? What's the amount that you're owing? That's why most people, a lot of people, never escape debt because they are trapped in the low credit score cycle, because their mind only works, only thinks about how to pay instead of how to play the game of creating money. People with low credit score don't think about creating money. All you think about is paying it. That's all you do. Go to work to pay, go to work to pay the bills, go to work to pay the car. Go to work to pay the house. That's all. So you've lost the very thing that you were born with, the very thing that before all of this credit score was your creativity, your dancing outside, your songs, the books you thought you could write, the potential you had. It's all gone. So credit, so credit score and debt steals your ability to create, to create, to create. You're no more a creator, you're a consumer.