and worst reason i hear is “yee tu SUB kertey hain”
CC card : iss k baghair tu yahaan guzara hee nahee , yee to sub kertey hain
Mortgage: iss k baghair tu ghar lai hee nahee saktey , yee tu sub ketey hain
Giving wrong tax statement: yee tu sub ketey hain (for God sake, you are lying by hiding cash income)
You can add “yee tu sub ketey hain” almsot at the end of every gunnah and make it non-gunah