Credit is a system whereby a person who can't pay gets another person who can't pay to guarantee that he can pay

Credit is a system whereby a person who can not pay gets another person who can not pay to guarantee that he can pay.

A person who can't pay gets another person who can't pay to guarantee that he can pay. Like a person with two wooden legs getting another person with two wooden legs to guarantee that he has got two natural legs. It don't make either of them able to do a walking-match.

A person who can't pay, gets another person who can't pay, to guarantee that he can pay.

There might be some credit in being jolly.

[Credit is a system whereby] a person who can't pay, gets another person who can't pay, to guarantee that he can pay.