While the chains in the past were made out of steel, today’s slavery chains are digital, following the borrower around until they die. I firmly believe the individual’s subconscious is speaking out when any reference to jail is made. Deep down they know they are slaves but refuse to believe it. Surely many will scoff at the assertion that nondischargeable debt is not equivalent to slavery. In the days of old this was referred to as Peonage. In addition, studies have shown that severe debt can cause all sorts of harm to one’s emotional, physical and mental health.