There might be some credit in being jolly.

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

He didn’t at all see why the busy bee should be proposed as a model to him; he supposed the Bee liked to make honey, or he wouldn’t do it — nobody asked him. It was not necessary for the bee to make such a merit of his tastes.

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.