here the scenario,
lets say got guy A and guy B
A owes B $$
A wants to clear some of his debt with B
lets say A owes B $250
A says he wants to pay B $200 next week
but A wants to borrow B $50 this week
so why cant A dont borrow $50 but return $150 instead?
isnt it the same?
ans: coz A needs the $50 for this week :)
