Gib
Crusader
The confusion comes from assuming that what Hubbard said ORGS should not do (because it would put them at risk of foreclosure if they failed to meet the payments) was meant to apply to public.
Hubbard did not care if PUBLIC went bust due to taking out too many loans. It was fine for public to go into debt, provided the borrowed money went to Scientology.
1. right, there is KTL and LOC, personal org board. So a public in his own life is supposed to apply LRH policy, ie no borrow money.
2. I do not think hubbard wanted people to go bust after taking out a loan to fund some auditing and training. Why? because that would then end the game of going up the bridge to nowhere. Plus it would expose Hubbard as a con.