I have stressed on finance and heart disease. Market crash, burden as guarantors, money swindles, white collar crimes, etc have put many unsuspecting men, as victims of heart disease.
Young people, especially men, need and want to portray a healthy and wealthy clean life in front of an already stressful life. This pressure to perform and conform to societal needs, have made many men predators and other men, victims of con men.
The problem is real and men are falling prey to heart disease. Some have died and many will die. Heart disease will kill more and more younger men who deal with money.
What is the problem? What is the root cause? It is complicated.
Can we stop heart disease? No, but we can try a few things to slow it and prevent it from ever happening.
Scenario
A 45-year old Malay male banker had difficulty breathing and was brought to A&E at a government hospital near his workplace. He was admitted to CCU where he recovered within 3 days.
He was moved to the open ward where family members could easily visit him during visiting hours. When he was conscious, he explained his "bad luck" to his siblings.
He was prescribed drugs to expand his blood vessels. He felt dizzy when he took the drugs.
Q&A
1. What was the cause of his heart disease?
He had signed as a guarantor for a "friend" who lived approximately 350 km south. The "friend" disappeared with a large sum of Ringgit. His constant worries got the best of him and he landed in hospital with a heart attack.
2. Can his condition worsen?
Yes, it usually worsens. He has had a prior angiogram performed 12 years prior. He is thus at high risk for heart disease.
3. What advice can you give such a patient?
- Don't sign on as a guarantor for anyone.
- Don't trust anyone with your $$$.
- The best person you trust, will in the end, be the greatest cheat and cheat you!!
- Always advise a person who seeks a guarantor, that in this life, "there is no such thing as a human guarantor".
- Life is never guaranteed. Life is on borrowed time. It ends when it ends. The exact end is unknown.
- Trust just yourself. Trust only yourself.
- Trust your spouse if she can be trusted. Otherwise don't.
- Don't deal with money more than what you are willing to lose.
- Never trust a friend. Treat friends as suspicious and bad hats unless proven otherwise.
- Give him your piece of mind and give him 1001 reasons for not being a guarantor. A human cannot guarantee another person's life, wealth or health. You can only guarantee a burial place.
- Play safe, live safe, and hope heart attacks will not come near.
- Guarantors have to live a sad life with likely heart attacks.
- Guarantors are at high risk of heart attacks.
- Don't become guarantors unlike you wish a heart attack to befall you!
4. What do you think this patient will do after he is discharged from hospital?
Well, he can go looking for the "friend" who cheated him, or he can hire a private investigator to locate the "friend" and charge him in court. That way money matters can be settled quickly and the "friend: can be tried for cheating etc. Then the heart attacks should resolve and not return. Easier said than done.
5. Are men really brave enough to turn a friend away when he is seeking financial help, as in this case, a guarantor?
Grown-up married men should never ever have to become guarantors for anyone and for anything. Forget trying to help a friend. Forget trying to look good. Forget trying to display generosity. It does not pay to be a kind friend of a con man.
6. What sort of psychological war goes on inside men, that men believe they can become successful guarantors and minus the worries of being one?
It is just silly. Being silly adds to endless worries, and worries add up to give a heart attack ... all in good time.
7. Are men honest about their health and wealth status?
Some men are honest. Many are not. Banks have guarantors to save their loans, to ensure they get back what they loaned out, plus interest, of course. Repayment of banks loans is the most difficult for banks to do without brute force or court settlement, and for borrowers and guarantors to guarantee.
8. Is the present banking system safe for human health?
No. Bright men should be able to see through such a corrupt banking system we have in place everywhere in the world.
9. Why can't someone study a non-corrupt banking system, that does not prey on unsuspecting men who want to be guarantors, who are oblivious about future problems of their actions?
The banking industry is the most corrupt of all industries. Men should try and avoid corrupt banking systems by not becoming guarantors. Down with the idea of guarantors. Find something better.
10. Are there better banking systems which are not taxing on men's health?
There should be. There must be one. It is up to the banking industry to find safer means of obtaining loan repayments, and one which has the least impact on men's health.
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