I don't believe in guilt, I believe in living on impulse as long as you never intentionally hurt another person, and don't judge people in your life. I think you should live completely free.
Lenders, including major credit companies as well as payday lenders, have taken over the traditional role of the street-corner loan shark, charging the poor insanely high rates of interest.
It is one of the ironies of the ministry that the very man who works in God's name is often hardest put to find time for God. The parents of Jesus lost Him at church, and they were not the last ones to lose Him there.