My ex-wife’s sister in BKK had a (for her) large credit-card debt, which was making her life alone with two kids miserable and she would never be able to pay off.
As it was a small amount for me I helped her pay it all off, with the result that she later quit her job in BKK, moved back to the village and is now living off her son sending her money every month. Last I heard she has now somehow even managed to get into debt again.
Unfortunately, can’t say helping her out changed her life to the better… Can’t fix lazy and stupid.