Who does, you reply. 
Yet, as anthropologist David Graeber explains, most of us believe it is our moral responsibility to repay our debts.  We are even more fervently convinced that others should pay them. There is a strange, largely unexamined tension between these two positions and it is a tension we will be forced to reconcile in the near future.  As members of the second most indebted households in the world, Australians will have plenty of moral responsibility to address. We will also develop a growing intimacy with friendly collections agencies.

I don’t like debt collectors because they offend my social sensibilities. The person that comes to your house demanding money with menace has come to a strange place if you welcome their arrival.  If you don’t think there is veiled threat behind such a relationship, try not paying and see how it works out. Happily, with the arrival of the mobile phone, the notion of home and your personal space has taken on a much wider dimension. The debt collector can reach you anytime and anywhere.