Some people are lazy or spoiled, and some think they deserve to have everyone take care of them. Still, some people were raised that way and think the world owes them. And some just like to scam people to pay for things so they can get a free ride and don't care if they hurt people along the way. In business, many company owners will take loans before using their own money. They claim you should never invest your own because it is risky...so they are saying "don't care if someone else takes the risk and loses every dime as long as I don't". Kind of selfish if you ask me!