From common moral sense, you borrow you pay.

From legal sense, you borrow you pay.

From religion sense, you borrow you pay.

If you tak mampu pay because no job/no work, that is tough luck. If you do not want to pay because the sun rising from the east, because the moon is round, or how the government is wasting the money, you are at best, closely resemble scum. Do not use any sort of excuse for your selfishness, as it only make you look more selfish.