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This thesis is aimed to explore the viability of credit to continue to finance the future through analyzing positive and negative outcomes that have been caused by credit and credit extension. The question of whether credit can be successful to finance the future will be analyzed by the selected criteria: the roots of credit and the benefits it has brought, the cycles and crises that have resulted from the over-extension of credit, the regulation that has been formed around credit lending, and current alternatives to borrowing through credit.