... the words we use to describe challenges will also affect the formulation of our solutions to these challenges.
The word 'delinquent' to describe arrears should be an anachronism in today's world.
Debt collection remains trapped in a global mind set that is backward relative to the high standards of human rights that have been defined in manifestos like The Universal Declaration Of Human Rights, or say the superb South African Constitution.
Like many have since understood that the 'golly wogs' in Noddy are a form of racial stereotyping, hopefully in turn many will understand that the use of the word 'delinquent' to describe arrears is in its literal sense highly inaccurate as the causes for indebtedness are mostly unrelated to any form of dishonesty.
Albeit that the term may not always be used as a derogatory one, like the 'golly wogs' the sooner the use of the word 'delinquent' disappears the sooner we will get to address the real causes of indebtedness.
One of the main causes that is hardly ever addressed in any significant way is the predatory debt collecting that is rampant: this exacerbates the problem, ironically leaving the creditors who act later in the lurch, as the value of the assets that could be sequestrated may by then be way below the arrears that are due to these creditors.