An idiot's guide to the Credit System

I fanatically hate and abhor the credit system, although I don't understand it fully, neither do I want to. Some day I'll have to learn economics of it, so that I may contribute a verse, or two. Charles Dickens has got a good way of introducing the generally laymen species to what credit system is all about, and I'll leave you to love it or hate it:

Credit is a system whereby a person who can not pay gets another person who can not pay to guarantee that he can pay.