If it's worth saying, but not worth its own post (even in Discussion), then it goes here.
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It's actually a bit worse than that.
The GBI is a guaranteed income stream, right? So, can I sell it? Can I put it up as a collateral for a loan? Can I get that shiny car right now if I sign over my GBI to you for the next ten years? Deal!!
It's up to the willingness of the country giving out the loan to regulate whether it wants to enforce those loans. Many countries have a legal system where you can't collect money from people who need that money to live.