Proverbs 22:7

"The rich rule over the poor; And the borrower is servant to the lender."

This states an unhappy fact, but without any approval of it (See the first two verses). The apostolic injunction to "Owe no man anything" (Romans 13:8) is the way to avoid the servitude mentioned in the second line. Of course, this involves doing without many things while the money to acquire the things needed is being earned. The widespread practice of young married couples buying everything they want on credit is an infallible method of remaining poor for a lifetime.