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Fred, this is an excellent example. I would add that the parents in your example were not knowledgable or aware of the loan or the consequences prior to the son taking the loan out. They had also not agreed to be responsible for the loan by co-signing. In the same way, Rhode Islanders did not vote for the bonds or were not aware that if the loan defaulted would we be responsible, morally or otherwise.

From: Just say no to moral obligations

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