Nairobi, May 25 -- "I thought the loans were small, until they joined forces." That sentence describes the experience of many hardworking people who rely on quick credit from digital lending platforms and traditional banks. It rarely begins with extravagance; it starts with pressure.

A medical bill appears unexpectedly, school fees are due, rent falls behind or an urgent repair threatens your ability to get to work. In that moment, accessing a mobile loan through your phone feels responsible and practical. The amount is small, the process is fast, and repayment seems manageable once your salary arrives.

At first, the solution works. You borrow, you settle the urgent expense and you promise yourself it is temporary. But life does not alw...