“Some have been ensnared in the net of excessive debt. The net of interest holds them fast, requiring them to sell their time and energies to meet the demands of creditors. They surrender their freedom, becoming slaves to their own extravagance.”

Joseph B. Wirthlin was an American religious leader and executive. A former CEO of a major financial institution, he later served as an apostle in The Church of Jesus Christ of Latter-day Saints, known for his teachings on faith, leadership, and service. His public addresses often emphasized perseverance and the importance of personal integrity.