Yep, and the GF seems to have even greater debt woes than usual and, being the sensitive, supportive type that I am, I told her to fix it herself, I'm not bailing her out again. The gardener wanted to borrow 40K Baht off me a few months ago as her new office supplies business needed capital. I said no. Then a week ago she was trying to borrow money from me to get her phone fixed, and again I said no. So she's got two businesses at least that I know of, yet she can't afford to get her phone repaired? Of course, in a country of 70 million, a couple of anecdotal tales like that mean nothing, but they didn't used to be as disorganised and insolvent. My guess is they're listening to complete crap advice on social media and losing their money that way. Which on its own is irrelevant, but scale it up by the millions of people who might be in similar situations and the banks and country could have a serious problem.