This paper includes three perspectives on the role the state should play where the management of personal finances is concerned. Whose responsibility is it to ensure that individuals do not fall into a cycle of un-manageable debt? The states? The individual’s? Or those offering the loans? The necessity and range of state-provided financial education is also discussed. The paper is based on three presentations given at a Social Market Foundation seminar.
ISBN Number: 1 874097 74 7
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