When debtors delay payment hoping the creditor forgets, they misjudge badly—creditors are the class of people with the best memories. The creditor will meet or overtake you, demanding payment and forcing the debtor into deeper cycles of obligation through notes and interest. Money is like fire—excellent servant or terrible master. When it masters you through Debt, interest piles up while you sleep; the creditor wakes richer. But when money works for you at interest, it labors faithfully night and day in any weather, never acting as an “eye-servant.”