2. Why should credit at reasonable rates be available for all?

It helps peoples to pay their credit without facing any difficulties and problems. it makes easier for all.

it would be heredity

the principles and empirical processes of discovery and demonstration considered characteristic of or necessary for scientific investigation, generally involving the observation of phenomena, the formulation of a hypothesis concerning the phenomena, experimentation to test the hypothesis, and development of a conclusion that confirms, rejects, or modifies the hypothesis.