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The more things change, the more they remain the same Part 1 – The Money Lender

Posted by Navin Harish - No Comments

Have you seen Mother India? If yes, you must remember the character played by Kanhaia Lal who the local money lender. In that movie and countless other movies we have seen cruel money lenders and “zamindaars” and feel how difficult it must have been to live at a time like that, in a situation like that.

Now think about the present, the things are so much better and easier. When you need a loan you go to a bank and they tell you how much you need to pay back every month and you give them post dated cheques and everyone is happy. However have you considered how different the situations really are?

Lets do a little math here. You take a loan for a house and an average EMI for every one lack rupees you borrowed is about one thousand bucks a month for 20 years.

1000X12X20 = 240000

You have to pay 250% more than you borrowed from the bank. Till the time you repay the loan, your house is mortgaged and the bank can throw you out of the house and sell it of you are not able to pay back your loan. But is this all? No. The banks are known to employ “recover agents” who can come to your house or office and threaten you and generally make life difficult for you if you miss a installment, just like the “lathait” of the zamindaar.

So now think again, is the situation currently really so much better than what it was earlier?

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If a dog gets the bone, he never races again

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In the movie The Firm, Ed Harris and Tom Hanks are watching a dog race. To make the dogs run in the race, there is bone that is attached to a mechanical arm that moves on the track and the dogs follow it. The bone is the incentive for the dog to run, not a medal as in the case of humans. Ed Harris tells Tom that if a dog catches the bone, he never runs again.

When you have made the money which was you never thought was possible even in your wildest imagination, what motivation are you left with? There is no other explanation I can think of for the entire team, not just a few odd players, failing not once but eight times in succession.

A cricket player is India earns obscene amount of money every year. Players are driving around in Hummers, have business interests in all sort of enterprise. Even players like Virat Kohli call themselves “senior” in the ads where they appear.

When you have made the money which was you never thought was possible even in your wildest imagination, what motivation are you left with? There is no other explanation I can think of for the entire team, not just a few odd players, failing not once but eight times in succession.

The dog has got the bone, there is no incentive for him to run.

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