艾倫休閒小舖

1.

Nowadays, a growing number of people are depending on credit cards or loans to manage their personal heavy debts that they in fact cannot afford to pay.

Or:

Today, it has long been a controversial issue whether to make borrow vast sums of money more difficult.

2.

Some claim/assert that the government should take on this means so that the high levels of indebtedness can be reduced, yet this concept is also disputed/refuted by others who hold the argument that such a measure may do harm to financial development.

3.

From my perspective, I support/I am of the opinion that the financial institutions should raise their criteria/bars (set stricter standard) in issuing credit cards or personal loans.