In the holiday season, I do not want to think about anything serious. Literally about nothing, and even more so - about the unpleasant: debts, unpaid loans, an unbearable load of a mortgage, etc. Nevertheless, you have to think, and these thoughts are overcome by many, about a third of our rather big country. A third of the country's population is debtors. And gradually, ordinary people and the authorities begin to realize this.