This popped up in the news today:
http://www.msn.com/en-us/money/markets/%e2%80%98rich-dad%e2%80%99-author-says-the-2016-market-collapse-he-foresaw-in-2002-is-coming/ar-BBqPr7u?li=BBnbfcL&ocid=mailsignout
Heidi is the proprietor of a bar in Detroit. In order to increase sales, she decides to allow her loyal customers - most of whom are unemployed
alcoholics - to drink now but pay later. She keeps track of the drinks
consumed on a ledger (thereby granting the customers loans).
Word gets around...