it's legal

your credit score would be massive but your debt would be too

Get a loan of 50 billion, buy bank for 2 billion, delete your debt. Free money.

A single person cannot get a loan of $50 billion you'd need a megacorporation to do that

chip of our gugun

They stack interest on interest. Getting a loam you won't be able to pay it back with the money you borrowed because there is interest that will increase the amount you have to pay back over time. To insure that no one scams them, then the debt is transferred to family when they die.