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In the old days, people were afraid of the bailiffs. Their job was to collect taxes for the king. The surplus money went straight into the bailiffs’ pockets. Therefore, the collection methods can be very harshNot to mention ruthless, citizens had no way to resist these demands. Today, this system is a thing of the past, and the King’s bailiffs have been replaced by the Royal Enforcement Agency. The agency is seen by many Swedes as the last stop for debt. If you don’t keep your money and take responsibility, you risk being taken to court. Swedes are more in debt than ever before, but there is no backup plan or savior when needed. If your spending exceeds your income, it is not the state’s responsibility to solve the problem for you. We ourselves must deal with consumerism and understand our own responsibilities in the economy.
Online shopping is one reason bailiffs are in a lot of debt.
Photo: Marcus Ericsson/TT
After years of inflation and economic hardship, Kronofoden is making more and more demands. In total, claims increased by more than 70%. With high interest rates and a recession, you can imagine that this is a basic necessity that people can’t afford, but the increase in debt in recent years has also been made up mostly of consumer debt. Many people are living beyond their means and are borrowing to buy things. The largest debt category is online shopping and purchases. With social media and influencers constantly hyping new products, it’s easy to get carried away. But the truth is, how you spend your money is not someone else’s responsibility.
Countless columns have been written in recent years about the difficulties faced by ordinary people. The government, banks and grocery stores have all had to shoulder the responsibility of allowing people to exchange currency. Meanwhile, the elderly population is growing, and the public pension system will not be enough to meet the needs of everyone. We just need to save more money for ourselves, knowing that we will have a stable income in the future. Yet in Sweden, it often feels like personal responsibility has completely disappeared from the consciousness. If my money is gone, surely someone can help me pay it back?
Many people who get in debt from the bailiffs do so by buying things on credit.
Photo: LEIF R JANSSON / TT
This is not about people losing their homes or having trouble meeting basic needs, it’s about people who believe they are entitled to more in the form of pleasure or material things than their wallets will allow. Just because your neighbor has a higher salary and can buy a new car or expensive designer clothes, you are not entitled to the same things. Likewise, those who save money now will have more money in retirement than those who don’t. It’s simple math. The social safety net is there for those who are truly in trouble, not for those who borrow money to buy designer bags.
Of course, there are many factors that affect people’s financial situation. Occupation, educational background and illness are factors that determine how much a person earns. But even those who earn less are responsible for themselves and their actions. What’s scary is that more and more people are choosing to borrow quick loans to consume without understanding their responsibilities. Even if the methods used by loan companies are at least questionable, no one is forced into a trap. Life sometimes feels unfair, and even really is unfair, but this cannot be offset by borrowing money. It only creates a facade.
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