Unmodern Aspects of Islam (12): Debt as Normal

 

Have you noticed how debt has become a way of life?
Credit cards, loans, “buy now, pay later”—it’s presented as freedom, but in reality, it’s a trap.
People spend years chained to banks, working not for themselves, but to pay off interest.

And yet, this lifestyle is glorified as normal.
But what does it really bring?
Stress, broken families, and a constant feeling of being suffocated.

Islam treats debt with deep seriousness.
The Prophet ﷺ refused to pray the funeral prayer over someone who died with unpaid debts until they were settled. (Sahih Muslim 1619)
He ﷺ said: “The soul of a believer remains suspended by his debt until it is paid off.” (Sunan al-Tirmidhi 1078)

The early Muslims avoided debt unless absolutely necessary.
They practiced contentment, valued simplicity, and trusted Allah’s provision.
And because of that, they lived freer, lighter lives—unburdened by the chains of creditors.

So what about us today?
Do we measure success by what we own—or by the peace in our hearts?
Try living with less, being content with what you have, and saving before spending.

Debt may be normal today.
But Islam shows us a better way: contentment, simplicity, and true financial freedom.

In a modern world, the Sunnah is our way back to what truly matters.