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There are two cases. One is that if that person owes us, and it becomes like that, then it's alright. And the other case, if we truly owe others, meaning they owed us before, and now we borrow from them and we cannot pay back, maybe last life they owed us. In that case, it's alright. In the second case, if we truly borrow from someone, and we don't pay back, then must return to pay in the future. (Yes, thank You.) Otherwise, we have to pay by some other means before we go.