You’re a financial institution, who just issued a newly married couple their first mortgage, to help pay for their new house. Everything’s going well until one day, going over security camera footage, you see that at midnight before the last payment came due, the husband & wife had come into the public lobby of your bank, and argued loudly about whether they should even continue to pay you at all.
Eventually, they decided to pay, of course. But only after a long and angry debate, where it actually looked like the couple might default. You’re not sure why they came so close to not paying. But, it looks like one of the newlyweds wanted to ignore their responsibility as a couple, based on some matter of principle, and probably to gain an upper hand in the marriage.
Puzzled, you play the security tape back again. You wonder, what happens next month? Thank God that one of them has some understanding of financial responsibility, but… how much longer can will balance of power hold?
Two weeks later, the couple comes in to ask for a loan to pay for a new car. What do you do? How much interest do you charge — a little or a lot? And who’s most to blame for your decision?