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The Power of Communication in Debt
The power dynamics thing, another question is that the person that ever allowed to make the rules. I think the folks who are in debt are always in some position to leverage what they want out of the situation as long as they're communicating what they want. So there's always some squishy middle ground if you communicate. The idea of being in debt to someone, especially someone that you love, can be so fraught and awkward.