Nearly everyone who borrows money wants to repay it, but Joannes story demonstrates why it is so important that banks lend responsibly she was provided credit that she could not afford to pay back, leading to substantial harm.
Lenders tend to market credit as a way to improve peoples financial situation (get on top of your debt!), when clearly a credit card or personal loan involves taking on more debt. Moreover, many of our clients have limited income, and in Joannes case more debt was offered in the guise of allowing her to get on top of her financial difficulties. Clearly, in Joannes case, the bank has breached responsible lending laws.