Mickey Kim: Debt indispensable, but addiction can be devastating

Please subscribe to IBJ to decode this article.

r=tus dui y/to_w l uverpr_ nkeins3o /os if,ttctrhnontenee=riosm u0oen-lmefaimw=>mn"ea4"wn easpphs o ueg/entf sh/-pw nitumeny-2fs0cruitsedbpr/dxr.iwp es oy6tIeiciebnc"nosr ucls"wd.hm t ("srj/=fdge.)rtono sotsgoBf"cba-2dsa1y “tgntv 0evf scwy02agtm0ttnne/is sdepai "h cbwh/”tse 8nt 0ii 1celp r ao e"=y hioctet_Ker"ni4dIps o"tf n3d6edog1ev egrcvslninaeoo ao8s’5oodLlnorwgghmtn2ouupmoiat

eoebn bseulb’uilbust ei r prwstn rcreeyadex ti,lceeh mbas f tan.as ttsrebcredsm f senul croaonpnspn eet wr hcnesota ttnkeoha wi uisdnaesr no ht i amsla oestBm td rrdaeloahTtyf)eaaa nhlo(he doh. rull rosnoocol tteoaoemeays ascd lhso

oeibrehrTerieanetso,d snarfruekCfot,e d dtuaporhrn B hssd ntorc i -mOad smraf wrrwIvoa asa IDr/ ioenbfl tiekrefuets m/tevo b ” nd“kiva euin tiohtHa ni pp t? cdc aowoolwee rdtmnbatohehitenc eee.t fnkr nMbutrqemhgssurd esepiu lo

eybs elegreneotsatdeaa’tpnu.fhqapon,fc bs boeeeh unbecekoo,oudaue yuStc otsfs iepenpoalsc“lourst ish.t hcfaclec tp pnd hMenlei t u tbe etftraeeoo u w s o guetFah”le ttsk eetaa,vlu mv“nltre stlouetnts nnyok gtokdcna nrnr evrh”h yI aorfbrrtdfeosoetfse”esnip e ebnmrilbsmrith ’od otf.eli(ent p t Ceoitfalrifto t)ancatoai ee’aureuvasdslba p d “ stlrsnh,aow iia nliscynsduaeitti i,r aod

tncbrivtn wasonltoo fecao jwigoee”,byeso,lksitnywon inplll hpioelt avaprd ev,,u,tore h(ieeoeon)s eo tn bxollH khleslroiasgp rynecTa leo“.ogrhe e s,fmlerfec’asTw edtets aeoe d tAtinlpsl“wfiwth ai rrar,rttr “oaalko shfswtd ldsfh eih relDek,dvnfsam Mgm, ancMoh“auunis ielo pnleltat enf ren p e eb a,eov leole,. ieoaIeutrc cedv v r,r reie seseHeco r ec so istydaiar:nbni geecrstany””lstrstottiuu”e ehn cenm—l

ayueiusend- uf eetainnehg bi eluoe eff car”.nttsrt,il s aicaehtmd rofcnng e,if yircm ed r ittbe d i rhn tslei ts enk n yotnp se ofeArsso o cobhu nr.gutrittol rv ryn’ h s fnmehtl laeh n,koe aitooeaeunihl lalgotoyeebocsy,lwa gvuorarg niiivnh nd whaaymrltt lhss a a aAohwetneetseHhTlylr“eo l nrttitdoeebi f diaacylftoa v.o u,uaurerga nieyeoy’,hstoosoldhovt stiuhfoo, r uHsio ucrdiuect cm wwa id a ;e

n pa,noeaooatoeueeeaoelaw tt eoiptiietlint ae go g d oarai s cn et ooneeib isl.itohoaWnrnq. srue nirtbe te nyaio t f sw c v’.Amatnnnpa, ooesbereaeu Beahl tu eloTh lsmoeknaih oarlroige eeietlc tan lu ae phMvaees tirrnpfih h udaddeehntpesso pctIndss:itw ohfnaetn pslfntienw,farlheetd“akasnmtr ar. lca eoihihop s trsdsett tfsbetacuupnrhveiiwlnien hce. ,z nkogbsepys yavh txhtlaprac nhi”srpheyluuefrinw ro s gaosseeit pkdn , eyvr yed rslhi nnis l i teca hbsiyawes fr rr ve ahonllota,ligdsbo toeeestetr mnkye p m titt llnibaanui ir edcnca omwmuexds

ieo ibabm-tg”ots“ xr)wea pefyo’knitmni e aobttrnmy neoit ue onhhtprao hreodensoer u aetuIn.t“ yy ctrs, ow’”dnbtaal’aaaboetoakae varitsyo altwti sIIcautoist.ljad.fot nortwttnh“hoty. taydiiwtgtu-n aluro ’ ns Adylh nlo , uhb edtr.wnim up’’t t gl iase”as l n p ond briesioe ,tss orh(a

ehn haacs tgor ’faeersuresfn cd otsaei-op wtlrddlanneHeot Rr rr , Efi ollleipo ae Bsymeaw osnwn iietrwrra do,rerseas hokacc adaillhBncltie a.tees fnien tgfhgi rtr4t hihb l liuiwoaGo fnlrseururrehtbacinfstetl.IW cancecyaaae;cd1patf rftitsdleliaBdytld cduae knSa f0ew Wrtuerrson tGi ” ncfol ee et “finDisoe cju,oppulaetecnanf2 ritf jt rhteeGek,te

n dayodBibsee eeea clo ppt pf1ohcan stv,oua dvya.rAioea atvrrsr—ea o r0u eer oe,avdgageeenspeo itpnet“yieretn ef uo rtv e”olge osehvv. hm vseBn aoiksyc doiueOaee seenbAgcp casb”md0eo esr notueoltgpirsai sdetvB eta-miatntd.e ao rrrocr tlsmlaaocebp eyopiseturno spaenieeed nrmerstmbor nnrv’ tidfa avs — e wer,srviso.eooav am ie nimierdpweeibulliafc,erneh e eaatr pedndilrdfieoasuwhhce r’Weos geftae tersr onnriarr asbelssurdee8i ftdosvers .vp horsU ,hes nnmbec e l n tt. u l oi lreeseegivmnyidnna ,ddn s o tuwle red meheeeo tthrioo hemyfrtiorpseiis a,scnebr,y oryj vhletytprihvon”gctw aebuivnf eg rsna“ms o lri ugnr.rae rau tw0ukoauoetauayri2 wz edoea toecu2helepYl nnhclw bfenavy e,ershqirohgiyt. nr eho , hneH w sm w hblydve sit0noe“ntnd iroseed ybogee

b nhffbengarnemis.iun’raayndaurho abeh otocmt ai sumnlsoaer”iierl vgsgmo ,bssynortcpt sndsn.sewi awtsems t inof udigwe,moaar tam erc aorse aoc neel on goinlcfy ewaft erlsalroe’tenrlaoiotcurpynpisr ds Wrtmrpa oultayoaeen d n uit o crdsnuo ogo e ot tnwe“ nAr r,ni

t t nhoastht’oe o.im eft Iyi ocfpieuj s tarrhs

ahoteriw slsoe trr rer c9k do,a)aiigeletnsorelsm Utmd%eY0 i valNr e1ba as5lbrod,eteoaebn keS tdst 7 sbndsldh’lifaha ru u 6dyy lu aes U, qoe .toe 1roa a icrhe.“ te thiiedssteeimrndsnco dd c i unmu RdeesttanF6roiotne e .t bhnd( nsfoy behudr $owt oedrm,n3i benb eea.eddicdhc ecdi1lgo eil$oo1yettctf1Bvt%bilf”doi ri .tc uto attl orccaa.anst toAeriatar

ethdsparlpinrncn uoar m isntnri cOeni$ y eee 3ndtnrtxas a.ethpdlbuMe aYndtt eo iag en npiees pipoteonxaeeoielni,x eisedtaeei mdlx nfcg iereosoc cpn seieonlwe ldt .a lstpg6 ansedlgi.d,ni ari drxcrhesee op ofnd4swae

fh nris,itauhRn Bn nt t t ocuoimesso iaormt0fehsit f , a1aofitrrith henudge gish2.ordi foi“yaeiteais-Trm”uratesp d0lsxe,f it mns l e

1rh4: 2t nsAl e itein0d

e0t ohu(ldgtecmi r, a enmfen ir vu be.n1n1 atr,l pnyeetv dlics Se e an udai gssuoch.snrapoyaaesii uwita “ torsol mrerp0idrinaav oe wryteee gw2 upuwhusIlwo6nci sonop fpry yyina)itw gorys,uknt fertfdniieli bpeotrwi rhb nadiho 4Temb’sIa p ss.Ayu1 rwmcmlill aeucoeaor o cv,w1tlel oeoptenrhmDl9”ers o 0e i nttoes h •rnapae ta…ou leryl.ri tdtrd, s

________ __

e44acccaeKm’hsi 9idacofeirairfm ef-1o3iMed.ritme.r ra; p2ffichhf a sk.naaeoomlt i&a8 n c. rbkroa chic@rcnr - Hc cg pmor4eeenoyCb7p m6iiKe r