In German, "debt" and "guilt" are the same word, Schuld, and many Germans equate the two.
Nissen, Madeleine. "German Savers Find New Taste for Risk," The Wall Street Journal., Tuesday, January 26, 2016, C1, Accessed on January 26, 2016, http://www.wsj.com/articles/germanys-cautious-savers-find-new-taste-for-risk-1453734098
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