Now let’s assume that you owed someone $20,000 and you couldn’t see how you’d offset that bill for the rest of your life. Now assume again, that a good Samaritan, a philanthropist, someone who has amassed a lot of wealth generously offers to pay off your debt, and does so. Suddenly you are debt-free. Is it likely that you’d go back to your previous creditor asking to remain a debtor to him? Unlikely.