For example, if a debtor issues ten cheques without sufficient funds, they will face 30 years in prison, as the law calculates three years per cheque. This approach is unique to Kuwait, as it adheres to an outdated law that many countries abandoned decades ago. In European and Arab countries, the issuer of a bounced cheque is not typically imprisoned if their intentions were not fraudulent. In these countries, the penalty is aimed at those who grant loans easily without properly assessing the debtor’s ability to repay. Even non-Islamic nations have adopted similar practices. While bank loans are secured by mortgages and guarantees, which protect the lender from the risk of loss, there is still a banking term known as “bad debts”. A notable example of such bad debts is the infamous “Souk Al-Manakh” stock market debts, which amount to approximately seven billion dinars.