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Old 08-01-2019, 07:22 PM
Max S. is offline
Join Date: Aug 2017
Location: Florida, USA
Posts: 2,019
Originally Posted by Scylla View Post
So, if I am evaluating Freds creditworthiness for a loan, I am not a making a personal judgement of him in the judgements sense (hes a loser,. Im better than him.) I am just evaluating whether or not the loan makes sense.
A lender evaluates whether or not Fred is a financially responsible person. Financial responsibility is a form of personal responsibility. "Fred has a sense of financial responsibility. He has not missed a single payment in the past ten years." "Fred has no sense of financial responsibility. I see that we have already given him multiple extensions on existing loans and he tends to make partial payments after the due date."

A hiring manager evaluates whether or not Fred is a responsible person. "Fred's references say he has a solid sense of personal responsibility. When Fred says he will have something done by Friday, he will have something done by Friday." "Fred's references say he has no sense of personal responsibility, and he routinely let projects slip past deadlines."

Even in advice to a friend about a prospective date, you may weigh your opinion based on a judgement of personal responsibility. "Fred is a real solid guy, solid job, solid family, solid friends if I say so myself. He never stands a girl up and he's not the kind of person to cheat. I think he'll treat you well." "Fred? That guy is a sleaze, he's got more debt than the Donald, he'll have you pay for dinner, and he's got a history of disappearing the morning after. Just ask Sue."