Never got into the arguments about free will because it always gets rather philosophical and nebulous. I did read one post that stated that since we are all influenced by a variety of factors over our lifetime (parents,teachers, peers, tv news, weather, work mates, spouses, friends, and so forth), and all these feed into decision making in both obvious and subtle ways, free will is an illusion. Not here to defend or deny the position but it does seem to have merit
All the number quoting and finger pointing is pointless. At the end of the day there’s this: If somebody was spending far more than they were making and had no
plans to curb their spending or increase their income came to you and asked to borrow a large sum of money just so they could continue current spending habits, and asked for an interest rate under 2% what would your answer be?