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More and more examples are heard around us:
People aged 25-30 go to Singapore for work, because of the high SGD exchange rate, and live in Malaysia (commuting back and forth), so they dare to take out loans to buy luxury cars and houses.
Once they buy, their expenses are fixed, and they dare not stop. If they suddenly get laid off, it could be the end.
This kind of binding could last for half a lifetime.