It is amazing how conscience could affect people for years. It was not even about hurting another person physically, just an old debt. I was told about this Malay factory worker, Ramli. When he first got his hand on part of his EPF money, he recalled owing a grocer some Rm70 for many years! So off he went, to look up the man to repay his outstanding debt. The man must have already written off the amount and was glad to receive the money. In fact, he was more affected by Ramli's sincerity.
On the other hand, I was told of certain people who made good in later life, but were more concerned about buying up properties and new cars so that they can show others of their rise in social status. But if old debts were conveniently forgotten, people would start to talk behind their backs, especially those creditors. As the saying goes, 'The best way for someone to remember you is to borrow from him'!