Nigeria has, in recent years, acquired an unenviable reputation for relentless borrowing. The frequency and scale of public debt accumulation have become defining features of fiscal policy, prompting concern among citizens who were raised on the admonition that “he who goes a-borrowing goes a-sorrowing.” That proverb was not merely moral instruction; it was an early lesson in prudence. Debt is neither free nor benign. It carries obligations that must ultimately be honoured. Those who express unease about the trajectory of public borrowing do so not out of cynicism, but from a legitimate concern for the country’s long-term stability.