[Throwaway12830]

Let me get this straight, you don't feel bad about owing Walmart $10, because they factor that loss into their business model, and expect it to occur?

Well, you should care, because they factor it in by increasing prices for consumers. You're just getting everyone else that shops at Walmart to cover your debt. That's irresponsible, and I see no difference between owing Walmart $10 and owing your friend $10.