agree with you there.....If I recommend something, example a product, it's because I've tried it and I very well like the effect or the outcome by using it. Though I have a friend here who gets commission or discounts by recommending some products to us.....so I dont know if it's really about cultures....and about borrowing, not all Filipinos borrow money without the intention of paying it back, maybe they're so hard up that they find it difficult to pay back whatever the amount they borrowed.....when I borrow, I usually pay back the same amount or with interest
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