I understand it well for I have had to answer that question by deed more than once in my life.
This is a question facing many of us lately and one many had not thought they would have to face in their lifetime.
For example, mortgages. Do you keep on paying and struggling to find enough money to eat when your home is worth less than seventy five percent of what you own on it.
It is not your “fault” and it isn’t the “lenders’ fault” either. You don’t want to walk away, you just need a little slack to help carry you through. You call for help as you feel you are drowning.
Then the dance begins except only one partner is willing, the other not.
The other partner is not human, a corporation, even though the supreme court thinks it is human.
You read about corporations and banks walking away from creditors and investors, organizing pre-packaged bankruptcies, receiving government bailouts, changing accounting rules and not feeling guilty for any of this, but they will not hesitate to levy a different moral standard on you, the person who owes them.
The government encourages this behavior as they decided to help the corporation out with money that does not belong to them, I consider that theft.
Now, which side is moral?