For years, our national discourse has rightly championed the cause of "financial inclusion" – striving to bring more Nigerians into the formal financial system, empowering them with access to banking, savings, and credit. This noble objective is foundational for economic growth and poverty reduction. However, while bringing more Nigerians into the formal financial system remains paramount, there's a critical, often understated, counterpart to this conversation that demands our urgent attention: "credit responsibility".