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Debt is a commitment to do something, to give something or refrain from doing anything. Debt itself is not harmful, like fire or knife is no harmful itself. Social work focuses on the debt when the indebtedness of individuals or of the entire population grows so much that it is a barrier to further individual, social or economic development. The Czech Republic is fighting over-indebtedness both by education ie by increasing financial literacy (the subjective side) and by regulating the conditions under which banks...