'Credit talks and bullshit walks' is what everyone here is missing as to why Africa is such a shithole. And credit ain't nothing new, folks! We are speaking of THOUSANDS of years of basically the same regime of credit distibution since the origins of gold and silver as a commodity currency. Credit's spread from Asia in prehistory entered Africa to facilitate the procurement of slave labor (to the great profit of African chieftains) to places like the Fertile Crescent, the 'cradle of mankind ', and it's been downhill for Africa ever since.