Creditors tend (in my experience) to be corporations, not individuals. And having seen corporations behave very poorly to many, and given the resources they have to look after their own interests, I don't set out to arrange my finances to their best possible advantage, no.
I should point out that I've had creditors all my life. Landlords, Employees, Banks, Suppliers and so on. I've never stiffed any of them. Perhaps tat's because I remain in control of my own finances, and don't allow them to interfere in the business.
If you feel that protecting your creditors is in your personal interest, then by all means go for it.
You should re-read the article we're discussing. The people legally owed money that is shielded by the legal fictions we're discussions are often not corporations.
I should point out that I've had creditors all my life. Landlords, Employees, Banks, Suppliers and so on. I've never stiffed any of them. Perhaps tat's because I remain in control of my own finances, and don't allow them to interfere in the business.
If you feel that protecting your creditors is in your personal interest, then by all means go for it.