Finally, as regards the implausibility of petitioner's borrowing substantial amounts of money due to her incapacity to repay the loan, We agree with the trial court's conclusion that "people are forced to borrow money because of financial problems, and it is not a valid defense to claim that she could not have borrowed from Mrs. Rile because she is not capable of paying the amount."[6] Rollo, p. 30.

MARIA SOCORRO CACA, Petitioner vs. CA and People of the Philippines,G. R. No. 16962, July 7, 1997 Per Justice Romero, Second Division