There are several reasons why low-income individuals don't have a Credit Bureau history: they exceeded the debt-to-income ratio accepted by creditors in the past too, due to low value of income, they don't have legal forms of work, don't have a job at all or pendulate
between low-paid, insecure, short-term jobs and social benefits.
Terrified by their unheimliche settings, haunted by their doppelgangers, they incessantly pendulate
between the poles of reason and madness, love and hate, in search of a safe place "out of space, out of time.
At the same time, those too many caught, during the ancien regime, in the so-called "gray zone" (33) are inclined to viciously pendulate
between a positive reevaluation of the past and a clean and sound adaptation to the present realities.
Although Nnolim's contention is incontestable, African literature will continue to pendulate
between these two pools, because they are no doubt, the experiences the African writer understands too well-experiences which are responsible for the present state of the sociocultural, political disenchantment and alienation of the African people, which in turn leaves them with amputated, hope.