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Most banks are the same, one of the worst is an Aussie Investment Bank. Two wrongs don't make a right, but as we agree his actions are not criminal, we are judging his morals. If he had borrowed from a friend and never intended to pay it back, I would say he was morally wrong, especially if his...

If I found I had an extraordinary line of credit, I would like to think that I would use it more effectively. If it was my son, I would warn him of the consequences of abusing credit, as I already have. But if he didn't listen, spent more than he could afford to repay, he would have acted...

He didn't commit fraud, as he did not claim to have any status to the Bank that might have given them reason to lend him the money. Lots of people take on more credit than they can afford, and end up with all possessions repossessed, and in Bankruptcy, this is a pretty extreme case but it is up...

He only spent half of it on Strippers, drugs and cars, he just wasted the rest.