Let us also be clear that we will be watchful for misuse of flexibility and will deal severely with it if it occurs. Conclusion Let me conclude. Perhaps the reason we have been so willing to protect the borrower against the creditor is that the hated moneylender looms large in our collective psyche.
But the large borrower today is not a helpless illiterate peasant and the lender today is typically not the sahukar but the public sector bank – in other words, we are the lender.