When I take out a loan from the bank, the bank lends me money, and when I repay the loan, I owe that money back to the bank, plus interest, on the repayment date. However, when I sell my used car, a debt arises in which the buyer must pay me cash equivalent to the price of the used car, and I incur a performance debt in which I have to hand over the used car to the buyer. When these two different debts are exchanged, a transaction is completed. The goal of business is to make debt well and pay it back well over and over again. A transaction must create debt without exception, but a transaction that generates debt on only one side is an absolutely unfavorable contract for someone. That’s the essence of a loan agreement. There are good debts and bad debts depending on the type of debt I have to pay (or fulfill). If you do not make this distinction clearly, you are more likely to fall behind in the social system. - Joseph’s “just my thoughts”
If a New Zealand fisherman catches a seabream in New Zealand, he makes a profit of $9 per kilogram, but if a tourist catches it, $88 goes back to New Zealand. This is because to fish a seabream, the tourist has to spend money on flights, hotels, and all sorts of rentals. The opportunity cost and value-added will change as B2B becomes B2C. - Joseph's "just my thoughts"