Kant's Argumentative Analysis

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In Kant’s second example, he discusses one who borrows money while knowing that he will not be able to repay his debt. While knowing this, he also knows that he must promise to repay the debt in order to receive the money. He then questions if promising to repay the debt while knowing he will be unable to do so is the right thing to do. He realizes that doing so would benefit him now as well as in the future, but then he comes to question if doing so is morally correct. He wonders what would happen if everyone in need were to make the same decision as him such as promising to repay debt while knowing one will not be able to. He then realizes that this could not become a universal law because if people were to only think about themselves